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HeartLand Credit Restoration

Affordable rates, A+ BBB Grade

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User Score

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The Good

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.


HeartLand Credit Restoration

BCRC Rank Monthly Price Licensed Attorneys Our Score
$90 Yes
$59 - $99 Yes
$89.95 Yes
$59 Yes

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.

The Bad

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.

The Bottom Line

HeartLand Credit Restoration is one among many companies that assist clients with credit restoration. They do however have many factors on their side when it comes to customer service. This company is based out of Hiawatha, Iowa. If you are looking for a reputable company to assist you in the restoration of your credit score you may want to consider them. We recommend this company from what research we’ve done, however when discussing something as sensitive to your identity as your credit report it is vitally important to ensure that what business you go to is trustworthy.

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.

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

2 HeartLand Credit Restoration Reviews

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  1. User Score
    March 5th, 2013 at 2:35 pm
    0 people found this review helpful!

    I started with Heartland Credit Restoration in Jan 2013 and I have had 8 items removed from my credit and my husband has had 4 (out of 7) removed. We are very pleased with this company, not only b/c of the quick results but b/c of their amazing customer service and the relationship we have formed with them. They care about us and want to help us get to where we need to be so we can purchase our first home. I would highly recommend this company.

  2. User Score
    Ms. Rodriguez
    November 13th, 2012 at 4:48 pm
    0 people found this review helpful!

    I highly reccomend this Company, I tried before to clear my credit, without success. After being divorced an unemployed for a whole year in 2008, I found a very good job, but my working conditions were compromised by my credit scores. I needed to improve my credit if I wanted to stay in a good standing at my Agency. Also, I had my hopes on buying a new house, and time was ticking, with all these issues all together working against my sanity and peace of mind. God guide my steps to ask for advise and guidance from Heartland Credit Restoration. I arrived in 2009 at my Agency with a credit score of 540, and in September, 2012, they transformed that number in over 640 points! I’m still amazed that I obtained the house of my dreams, the opportunity to move to a better position, because of a better credit score, and obtained a high security clearance for my job. My credit Counselor, Mr. Clarke, is more than a Credit Advisor to me, he is like a brother or best friend, always available, answering my calls, finding the information on time, follow up on disputes and debts, working with me towards obtaining my goals. They are very professional, respectfull, they have empathy with their clients, going through difficult times, and they are very honest and reasonable. I can put my recommendation to the highest because I’m proof of this Company good faith and diligence on working with their clients, thanks to Christian and all the staff at Heartland Credit Restoration, I can sleep better than ever….GRACIAS! Ms. Rodriguez

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Ratings Breakdown


Monthly payment

Time in Business

Total # of years
7 Years



Money Back Guarantee?

Credit Reports

Equifax, Experian, TransUnion

Score Updates

Equifax, Experian, TransUnion

Licensed Attorneys

Are There Attorneys on Staff?

Case Setup

consultation, evaluation etc.

Site Security

Active Website SSL?

Number of Reviews

User reviews here on BCRC

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Review Last Updated: January 13, 2015

Company Awards / Certifications
  • National Association of Credit Services Organizations Member
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