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HeartLand Credit Restoration

Affordable rates, A BBB Grade

Our Score
4.3
User Score
10.0

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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.

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HeartLand Credit Restoration

BCRC Rank Monthly Price Licensed Attorneys Our Score
#14
heart_land-130x130
$90 Yes
4.3
#1
$59 - $99 Yes
9.6
#2
$89 Yes
9.4
#3
$59 Yes
9.3

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.

Our Score
4.3
User Score
10.0
Rank this Company
Ratings Breakdown

Price

Monthly payment
$90

Time in Business

How Long You've Been Around.
5 Years

A+

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
0/3

Score Updates

Equifax, Experian, TransUnion
0/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
No

Site Security

Active Website SSL?
No

Number of Reviews

User reviews here on BCRC
2

This Review is maintained by

Review Last Updated: June 12, 2014

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