HeartLand Credit Restoration
HeartLand Credit Restoration is a close knit family owned business. They pride themselves on providing personal one on one service to each client. They seem to have a good reputation, and are active members of The National Association of Credit Services Organizations. It was difficult to find any bad reviews on this company. The better business bureau did list that they had 7 complaints closed and 1 of those in the last 12 months. 6 of those 7 complaints ended with the customer satisfied with their handling of the situation. 90% of their business is referral based from banks, realtors, etc. and they have many repeat customers. They also do not take every person that walks in. They will take a look at your credit report and see if there is anything they can do to get your credit rating up.
We learned from speaking with owner Andrew, Heartland Credit Restoration does not charge new customers for at least 30 days. They are committed to making changes to their clients credit reports, before seeking payment.
HeartLand Credit Restoration has not been in business very long especially compared to some of their competitors. In addition, their website did not match up to their competitors websites. We had trouble finding useful information needed from their site and had to spend a good chunk of time looking around the site for answers. A simple call to their friendly customer service staff answered everything we needed to know.
Heartland Credit Restoration does things a little bit differently than most credit repair companies do. While they do perform traditional credit repair services, they also continue to help their clients after they get the errors taken off of your credit reports.
Step #1: Analysis and Plan
Heartland Credit Repair will be honest with you from the moment you get in contact with them. They will start by examining your credit reports and determining what errors, if any, exist and can be challenged. They will identify exactly what they can do and tell you exactly what items can be removed (if applicable).
Step #2: Dispute
Heartland Credit Restoration experts will then legally dispute all of the errors found on your credit report. Getting these items removed from your credit report is only half of the battle in Heartland’s eyes.
Step #3: Coaching
Even after the “credit repair” or dispute process is over, Heartland Credit Restoration works to “consult and guide” their clients toward developing positive habits that will benefit both financial life and credit situation.