2018-02-07 16:06
Accounting for 35 percent of your credit score, payment history is the number one factor affecting your credit standing. A single missed payment could lower your credit score by 60, 80 or 10… Read More
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Ovation Credit Repair Blog - Relevant Information About Improving Credit Scores Blog
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Relevant information about improving credit scores.
2018-01-30 20:17
Americans love to spend their tax refund on new cars or dream vacations. If your credit is in trouble, then this year you should consider using that tax refund to get your credit back in sha… Read More
2017-12-15 17:12
College can be expensive, and some college students add to the price tag when they make financial mistakes such as using student loan money for a trip. Another mistake some make is going to… Read More
2017-11-24 21:02
The holiday season is supposed to be about joy, but for many people it brings a great deal of stress. In addition to organizing and attending multiple holiday events, traveling and hosting v… Read More
2017-11-15 18:18
Retiring as a millionaire may be easier than you think. With the power of compounding interest, you can become a millionaire by putting aside just a few extra dollars each month.
How Much D… Read More
2017-11-07 21:55
Paying down credit card debt is one of the best methods for repairing credit and improving your credit score. Here are easy and painless ways you can pay off your credit card debt:
1. Pay M… Read More
2017-10-26 16:33
When a loved one passes away, one of the last things you want to hear is debt collectors calling to try to take their money. Unfortunately, dealing with a loved one’s debt is a chore y… Read More
2017-10-19 21:35
Imagine two people borrowing the same amount of money from the same lender. One has a stellar credit utilization ratio. The other has a relatively poor number. Well, the first person could e… Read More
2017-10-12 20:10
If you’re struggling with improving your finances, you may have seen several different services offering to help. Each type of service has a different goal, so picking one over the oth… Read More
2017-10-03 19:09
Buying a house is a dream many people have, but it can seem out of reach when you have bad credit. While it’s certainly easier to qualify for a mortgage loan with a credit score of at… Read More
2017-09-20 16:20
Are you someone that lies awake thinking about your credit card balance? Do you consider how late payments are affecting your credit score — or why you cannot seem to be saving any mon… Read More
2017-09-15 15:09
Since the dawn of the Internet – and followed by the launch of smartphones – everything has changed. Being able to communicate in ways that we never imagined, it became possible… Read More
2017-08-31 20:29
Let’s be honest, not often do we have our credit report on our mind but when the time comes to apply for a mortgage, every point in your credit score matters. While you can get approve… Read More
2017-08-24 16:13
Choosing the right credit card can be a daunting task. You must consider your credit score and eligibility before anything else. If you have at least an average credit rating, then there are… Read More
2017-08-15 13:54
While there are many financial milestones to celebrate at every age, some of the most significant milestones could be life-changing.
From getting that first paying job to putting a college d… Read More
2017-07-28 13:49
Many people think its just about building your credit but you also have to protect your credit. Whether you already have great credit or have been steadily improving your score over the year… Read More
2017-07-19 18:42
Buying a home is a big step in anyone’s life. Whether you are considering your first home, moving to a new place, or changing up your residence, purchasing a new home can be stressful… Read More
2017-07-13 13:08
Credit repair may seem pricey but when you step back and look at the return, its a no brainer the investment is worth it! Credit repair service helps you to get inaccurate and dubi… Read More
2017-06-29 14:38
Going through bankruptcy is tough. It takes the advice of a good lawyer or a finance expert to make sure that you do everything right and well. On top of it all, the intricate nature of the… Read More
2017-06-21 17:45
Should you lease your next car, or should you buy it? It can be a tricky decision, with various positive and negative aspects to both options. An important factor ― one that some peopl… Read More
2017-06-15 19:04
“It takes credit to build credit.”
This statement is all-too-common and a big reason for why many new borrowers turn to relatives for help. The method of becoming an authorized u… Read More
2017-06-07 12:47
Taking a vacation with your family should be a pleasant thing – a rare treat in a schedule that is otherwise consumed by soccer practices, school recitals and working too many hours. D… Read More
2017-05-31 14:34
Improving credit can give people such a great feeling. It comes as a relief because it lets you put money-related setbacks or mistakes in your past. At the same time, it offers an excit… Read More
2017-05-25 20:55
Financial trouble can be disastrous for American homeowners. After missing four to five mortgage payments, a lender will typically foreclose on your mortgage. This puts you out a home and re… Read More
2017-05-15 16:38
It is never fun when a bill gets sent to a debt collection agency. But, sometimes it puts the ball in your court and gives you a chance to achieve true credit repair. Whether you just c… Read More
2017-05-05 20:15
For many people, bankruptcy is a scary concept, something to be avoided at all costs. However, the truth is that legal bankruptcy can relieve you of major financial burdens and allow you to… Read More
2017-04-28 20:47
Are you facing issues from your past that are weighing your credit report down? If so, a repair service might be of some assistance. However, many Americans are still unaware of what these c… Read More
2017-04-21 18:25
A credit limit increase is a net-positive scenario for your credit rating and report. You just have to avoid spending your balance and carrying a higher debt. If you can accomplish that, you… Read More
2017-04-13 18:00
Credit report errors can happen to anyone. It affects roughly 25 percent of files in the United States. This statistic is high enough to cause alarm, and one in 20 files have errors tha… Read More
2017-04-05 18:12
FICO vs. FAKO vs. VantageScore – Things can get confusing when you try to learn about your credit rating. You might get a free credit monitoring service and be happy to receive a free… Read More
2017-03-28 15:39
Co-signing on a loan is a big decision. You are putting your name on something that is not even for yourself. It requires trusting the other party to be as responsible a borrower as you are… Read More
2017-03-15 19:48
Most Americans do not realize how credit scores, reports and bureaus actually work. In fact, 42 percent believe the myth that lenders must report to all three major credit bureaus. This is… Read More
2017-03-08 20:38
Donald Trump could start a war with a tweet. All jokes aside, though, his policies are sometimes revolutionary. He has the power to move markets and influence mortgage rates.
There are hundr… Read More
2017-02-22 22:07
Credit cards and student loans are two major debt lines plaguing American households today. It’s said that the average American family carries $16,061 in credit card debt and a whoppin… Read More
2017-02-14 14:19
Your taxes are due by April 17 this year. There’s a lot of preparation that goes into being ready to submit your return. From assessing your current debts to avoiding tax offsets, it&r&hell…Read More
2017-02-08 18:16
If your credit report includes some negative items, it’s important to know how long they will remain there. Every negative mark on your credit report has some impact on your overall cr… Read More
2017-02-02 17:02
Full credit repair is no seven-year journey; with the right efforts, you could increase your FICO score by more than 100 points in just six to eight months.
If you’re trying to repair… Read More
2017-01-25 17:30
If your credit score is not as high as you’d like it to be, thanks to some delinquent accounts on your report, credit repair may be your best bet. If you haven’t considered this… Read More
2017-01-19 21:07
Is it possible to get a mortgage with bad credit? The answer is yes, but attempting to do so can pose unnecessary financial hazards. A far more effective plan would be to improve your credi… Read More
2017-01-11 20:22
Your credit score plays an important part in your life. Whether you realize it or not, that three-digit number can impact whether you are hired for a job, the interest rate on your credit c… Read More
2017-01-03 19:25
Your personal budget is like a relationship. It should be a source of comfort and strength. Like a significant other, it should grow with you and help you realize your goals.
Of course, lik… Read More
2016-12-28 18:49
We all struggle with the stress that money creates. Take it from Antoine Walker, a former Miami Heat star that ‘went from $108 million to bankrupt‘ in less than a decade. This s… Read More
2016-12-22 15:24
If you’ve been trying to improve your credit score, you probably already know that “debt” can be a scary word. As such, you’ve likely been trying to avoid it as much… Read More
2016-12-13 18:03
If your credit score is not great or even good, don’t despair. You have the power to change it. It might take months or possibly years to get close to the coveted 850 credit score, bu… Read More
2016-12-06 17:41
Did you calculate the cost and find out your mortgage payments will be high? If so, your credit score could be to blame.
Buying a Home With Average Credit
You need a FICO score of 620 or mo… Read More
2016-11-22 13:01
You ran into a few problems with credit and now you have negative accounts listed on your report. Derogatory information no longer appears after seven years, so you may be tempted to wait i… Read More
2016-11-22 13:01
You ran into a few problems with credit and now you have negative accounts listed on your report. Derogatory information no longer appears after seven years, so you may be tempted to wait i… Read More
2016-11-16 17:48
There are many benefits to having a better credit score. If you’re buying a house, it will be obvious you need excellent credit first. The difference in your interest payments could r… Read More
2016-11-10 18:41
Owning your own house is a hallmark of independence as well as a major investment. It is one of the most exciting milestones in your life. However, shopping for a mortgage is decidedly… Read More
2016-11-04 17:08
There are many reasons why you want to make sure your credit score is as high as possible; it’s not just to ensure you can qualify for a credit card or mortgage. Take a look belo… Read More
2016-10-27 14:22
You should never feel guilty about having fun on the weekends. When you see a movie, go to a ball game, dance or enjoy any fun activity, you reduce your negative stress levels. By doing so… Read More
2016-10-19 12:06
Credit Scores can seem scary when you think about how that three-digit number can affect so many financial decisions in your life. Frightening enough, that score can then scare away lenders… Read More
2016-10-11 13:42
We’ve all been there. You are out the checkout counter of a fancy department store when the cashier asks “Would you like to open a store credit card and receive 10 percent… Read More
2016-10-03 19:01
When you teach your children about money, you teach them all sorts of valuable life lessons. You educate them about patience, thriftiness, long-term planning, generosity and more.
You might… Read More
2016-09-28 15:08
Are you starting up a small business? If so, there are many things you have to think about. You must consider variables like accounting, legal and tax concerns, and even what exact type of… Read More
2016-09-20 18:07
If you have several credit cards and are trying to improve your credit score, it might sound like a good idea to cancel the cards you no longer use. However, in many cases, this action can… Read More
2016-09-15 19:39
A serious illness or injury can not only impact your physical and mental well-being, it can also hurt your credit score. Medical bills simply can’t be avoided in many situations, and… Read More
2016-09-09 14:30
You’ve reached your retirement years. Congratulations are in order. What’s more, you might have enough money to live on thanks to some combination of savings, investments, a pen… Read More
2016-09-06 16:15
The IRS has more power than any other creditor. Unlike private creditors, the IRS can directly garnish your wages and levy your bank accounts. Tax liens are also one of the biggest negative… Read More
2016-08-31 19:29
Debt consolidation isn’t something that many people know about, but it can be a great way to improve your credit score and help you improve your overall credit profile. Why should you… Read More
2016-08-22 20:41
Are you working towards financing a home? You probably know how your credit rating will impact your loan qualification. You pretty much need the minimum credit rating for FHA home loans, wh… Read More
2016-08-10 16:08
Your credit score isn’t a mysterious number. You have direct control over every single point. Some improvements will take longer than others, but there are a number of steps you can t… Read More
2016-08-02 16:00
There are dozens of credit cards on the market, so choosing the right one may be difficult. Do you want a card that gives you airline miles, or would you prefer cash back when you shop for… Read More
2016-07-25 19:38
Your credit score shows both your short- and long-term credit history, so building a perfect credit report can take years. However, there are many steps along the way, and you can see some… Read More
2016-07-22 16:01
There’s a plague in the United States, but it has nothing to do with the flu. Instead, it’s a plague of errors on the credit reports of millions of Americans.
According to the F… Read More
2016-07-18 19:49
You hear a lot about building credit, using it, protecting it and repairing it. At some point, you may have paused to wonder exactly what credit is, and how it works. Here’s your basi… Read More
2016-06-20 15:57
Bankruptcy sounds like a dirty word, but for many people, it is a lifeline to starting over. Whether you lost your job, were overwhelmed with an unavoidable expense or found yourself dealing… Read More
2016-06-01 21:18
If you make use of any credit monitoring tools, you may have noticed that FICO isn’t the only scoring model in the game anymore. Worse, you may even have experienced a shock if your cr… Read More
2016-05-24 15:19
Home equity loans, as the name suggests, are a way for homeowners to borrow against the equity that they built up in their home. For a number of years following the 2008 financial crisis, le… Read More
2016-05-20 02:05
There’s no doubt that paying all of your debts is the ideal thing to do, but sometimes it just isn’t possible. If you’ve lost your job or suffered other hardships, you may… Read More
2016-05-20 01:56
Badcredit.org just released a review of our premier credit repair services.
In a Nutshell: Ovation is a credit repair company with more than a decade of experience helping clients… Read More
2016-05-15 01:06
Buying a home is a major life event and one that can bring great joy, but it can also create its share of anxiety. Preparation should begin long before the first visit to an open house. Your… Read More
2016-05-05 14:00
How to Rebuild Your Credit After a Bankruptcy
If you’ve had financial difficulties, you know bankruptcy can be a great tool to help you get your finances back in order. Bankruptcy is o… Read More
2016-01-27 13:50
It’s a Fight to Earn Your Dollars
Rivalries are fun to watch. Whether you sat in the bleachers and routed for your high school time or proudly wear your college colors to this day, riv… Read More
2016-01-26 13:44
Get on Track this Year & On Top of Your Finances
Freelancing is both a blessing and a curse. As a freelancer you’re probably repeatedly told how lucky you are, how great it must be… Read More
2016-01-26 13:44
Get on Track this Year & On Top of Your Finances
Freelancing is both a blessing and a curse. As a freelancer you’re probably repeatedly told how lucky you are, how great it must be… Read More
2016-01-25 13:41
Sounds chauvinistic, but unfortunately studies prove it’s true, men manage money better than women. If you’ve resolved to be more fiscally responsible this year you’re not… Read More
2016-01-25 13:41
Sounds chauvinistic, but unfortunately studies prove it’s true, men manage money better than women. If you’ve resolved to be more fiscally responsible this year you’re not… Read More
2016-01-24 13:37
While others are making New Year’s resolutions to lose weight, you’ve resolved to travel more and spend less. Let Ovation Credit help you get on top of your finances this year, a… Read More
2016-01-23 13:33
Learn How to Manage Your Loans Now
Perhaps the best piece of advice anyone could give to their former-self is to manage student debt better from the start. Student loans are hard to avoid al… Read More
2016-01-22 13:27
Think you know everything there is to know about your credit history and how it will impact your access to credit? In 2013 it was reported that 5% of consumers in the U.S. had an error on a… Read More
2016-01-21 13:10
A credit report can either be the key to or road block to getting access to credit. Whether you’re looking to take a trip or purchase a home, your credit history plays a big role in ho… Read More
2016-01-20 13:38
There’s arguably nothing worse than paying an ATM fee. You might ask why anyone would go to an out-of-network ATM, but emergencies occur and your bank may not be nearby.
If you’v… Read More
2016-01-18 21:17
Let’s face it, there’s nothing sexy about banking. A trip to the mall is a fun outing, but shopping for a checking and/or savings account can seem tedious and boring. While it ma… Read More
2016-01-18 13:31
When my wife and I got married we had one issue, we couldn’t deposit our checks. If you’ve gotten married recently, you probably faced a similar situation.
Some checks were writt… Read More
2016-01-15 13:26
While retirement may seem eons away, it’s never too early to start funding a retirement account. Parting with part of your paycheck each payday may be hard to swallow, retirement accou… Read More
2006-06-07 11:16
We all know that in our economic environment a good credit score can be an added plus when we find ourselves needing to make a large purchase, deal with a crisis, or just enjoy taking a well… Read More
2006-06-07 11:16
Managing finances can be tricky, especially when you’re young. For many people, getting started with financial planning is made more complicated by the plethora of information out ther… Read More
2006-06-07 11:16
A credit score is probably not something that most college students are thinking about, but financial decisions you make in college can have a serious impact on your credit—in part bec… Read More
2006-06-07 11:16
“Job hunting is cheap and easy,” said no one, ever. There are many resources to consider as you search for the perfect job; however, some of these resources may cost a pretty pen… Read More
2006-06-07 11:16
The majority of us do it, bank with our phones, but it can open you up for fraudulent activity. Banking with a mobile device has become common place – it’s quick, simple and effi… Read More
2006-06-07 11:16
Weddings have become increasingly expensive in recent years. In fact, on average, couples are now spending $25,000 for their wedding. But, is $25,000 practical or even necessary? The truth i… Read More
2006-06-07 11:16
There’s truly never been a better time to be a senior citizen. Today, you’ll find many resources to help you live on a budget, repair your credit, and effectively manage your fin… Read More
2006-06-07 11:16
Have you seen your credit report lately? Most likely not. According to a recent Google Consumer Survey conducted by TransUnion, nearly 33 percent of Americans surveyed said they have never c… Read More
2006-06-07 11:16
Wouldn’t it be great to not continuously worry about your finances? With so many financial obligations and desires today, you’re not alone in your quest for relief from this ment… Read More
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