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#50
heart_land-130x130

HeartLand Credit Restoration

Real Customer Reviews

Our Score
4.6
User Score
10.0
Our Score
4.6
User Score
10.0
Rank this Company

Ratings Breakdown

Price

Monthly payment
$115

Time in Business

Total # of years
9 years

A+

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
0/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
No

Number of Reviews

User reviews here on BCRC
3

This Review is maintained by Isaac Ericksen

Review Last Updated: April 27, 2016

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

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.

Rank Chart
Monthly Price
Our Score
Review

#1

79 - $99
9.4

#2

99.95
9.0

#3

59
8.9

#50
heart_land-130x130

115
4.6

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. 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.

The Bad

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.

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.

View Top Rated Companies

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.

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!

3 HeartLand Credit Restoration Reviews

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  1. User Score
    10
    May 5th, 2015 Richmond, VA
    0 people found this review helpful!
    I am very pleased with the quick responses of this company. I have only been with them for a month and I am receiving very positive results and the customer service is outstanding!!!!
    Read More
  2. User Score
    10
    March 5th, 2013 Cedar Rapids, IA
    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.
    Read More
  3. User Score
    10
    November 13th, 2012
    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
    Read More

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Our Score
4.6
User Score
10.0
Rank this Company

Ratings Breakdown

Price

Monthly payment
$115

Time in Business

Total # of years
9 years

A+

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
0/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
No

Number of Reviews

User reviews here on BCRC
3
Our Score
9.4
User Score
7.5
Rank this Company

Ratings Breakdown

Price

Monthly w/ $99.95 First-Work Fee
$79 - $99

Time in Business

Total # of years
25 years

A-

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
3/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
Yes

Number of Reviews

User reviews here on BCRC
1,302