One thing that we felt helped set HeartLand Credit Repair apart from others, is the fact that they state they do not enroll everyone with bad credit. They will only enroll those who have the best chance at having a positive impact on their credit repair. We feel this will reflect positively in their online reputation and customer feedback, and is a breath of fresh air with many other companies claiming they can help anyone with bad credit.
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. In the past 3 years HeartLand Credit has had 1 complaint filed with the better business bureau and that was resolved to the customer satisfaction.
HeartLand Credit is complaint with FCRA and CROA laws and 90% of their business is referral based from banks, realtors, etc. with 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 until after 15 days from the date they sign their contract. They are committed to making changes to their clients credit reports, before seeking payment. Heartland Credit Restoration also has a free credit review when you first sign up with them.
HeartLand Credit Restoration has not been in business as long as some of their competitors. 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. Like many credit repair companies, there is a lack of transparency about specific costs for services and no pricing structure listed on their website. Though a simple call to their friendly staff can answer everything you need 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.
Heartland Credit Restoration charges an initial fee and then client’s will pay monthly for services every 30 days. The initial fee is charged after 15 days from the date that the client signed their contract.
- Single clients pay $230
- Couple are discounted at $400.
Heartland Credit Restoration then charges for it’s monthly services after entire contract service has been provided in full.
- Single clients pay $115 every 30 days at day 30
- Couple pays $140 every 30 days at day 30.
Heartland is willing to make special arrangements for pricing to fit an individual’s budget. Clients will get enrolled in a third party credit monitoring service which allows Heartland and the customer to review their credit at will.
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