Though most financial institutions consider the credit score to be an indicator of the financial health of the individual, a person can have a bad credit score due to factors beyond his or her control like poor health or incorrect reporting by any of the credit reporting agencies. This can adversely affect the ability of the person to get a credit card or loan.
However, it is now possible to fix credit and improve your credit score by using the provisions of the Fair Credit Reporting Act. There are many firms which offer credit repair services. They basically write to the credit reporting agencies and ask them to remove any negative item in a credit report which cannot be supported by adequate proof.
Ovation Credit Repair offers two credit repair programs – Essentials program with a professional case adviser, unlimited disputes to credit bureaus, online dispute strategy management. Additionally, the Essentials plus program includes custom validation letters to creditors and a letter of recommendation.