HeartLand Credit Restoration Logo

HeartLand Credit Restoration

Is This Your Business?
star star star star star
LAST UPDATED: April 8th, 2020

Heartland Credit Restoration has been providing credit repair and educational services to professionals and consumers throughout the United States since 2007.

According to the company’s website, Heartland Credit Restoration clients can obtain the following services:

  • Customized credit repair plans
  • Credit repair coaching and budget coaching
  • Assistance with applying for fast-reporting credit cards
  • Continued assistance and monitoring of credit

Heartland Credit Restoration also provides clients with a wide range of educational resources to help them learn more about credit and credit restoration.

Top Ranked Companies


The Good

  • Customized and Confidential Credit Repair Plan 
  • Compliant with Law 
  • Helpful Online Credit Education 

Heartland Credit Restoration provides customized credit repair services to individuals and couples in need of financial assistance. 

Each client receives a customized plan of action when it comes to disputing negative inaccuracies. Here are some benefits of the company’s services:

Customized and Confidential Credit Repair Plan

Heartland Credit Restoration offers consumers a free credit review evaluation and customized and confidential credit repair action plan. 

The plan also includes ongoing credit monitoring and budget coaching. Every 35 days, the company gives a report about your credit, what it has been able to work on, as well as what the current score is for the customer. 

Heartland Credit Restoration will send this report over email and will give the customer a call to go over it with them the next day. 

Customers can expect to pay monthly rates per individual for the credit repair process. (Customer has a five-day right to cancel. Charges don't apply until after 15 days.)

Compliant with Law

Heartland Credit Restoration is compliant with the FCRA and CROA laws, which is something that is evident in reputable and trusted companies. 

Additionally, the company is mainly a referral-based company, with 90 percent of its business coming from realtors, banks, and returning customers.

Helpful Online Credit Education

Heartland Credit Restoration provides a few helpful online resources to help clients increase their credit knowledge. 

Within its online credit education section, the company offers credit restoration tips, a comprehensive video library, and several other content-based resources aimed at improving clients’ current financial/credit education.


The Bad

  • No Proof of Successful Deletions 
  • High Fees

While Heartland Credit Restoration provides a quality and customized service to their clients, there are also some limitations prospective customers may want to be aware of. 

No Proof of Successful Deletions

The company does not provide enough established proof regarding its success with the credit repair process. 

There are no copies of past deletions or customer testimonials on its corporate website. The company also does not provide any mentions of expected timeframes or any offered money-back guarantee.

High Fees 

Heartland Credit Restoration charges customers an initial fee of $250 and a monthly fee of $115. 

Although these fees aren’t the highest in the industry, they are somewhat higher than what some other credit repair companies charge. 


The Bottom Line

Heartland Credit Restoration offers customized credit repair plans, a free credit review, helpful credit education resources, and more. 

The company is also compliant with the FCRA and CROA laws and appears to be fairly transparent on its website regarding its services and resources. 

Potential customers may note that there doesn't seem to be any proof of past credit deletions on its corporate website.
Those who wish to obtain more information can contact the company directly and set up a free credit review. 

Additionally, the company is a little higher-priced than industry average, but does offer discounts for couples. 

If you are interested in working with Heartland Credit Restoration, we recommend that you read customer reviews, view the company’s website, and contact Heartland Credit Restoration staff to learn about how the company can help you improve your credit situation.  

View Best Credit Repair Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating


star star star star star

7 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star_border star_border star_border star_border star_border


star_border star_border star_border star_border star_border


star_border star_border star_border star_border star_border


star_border star_border star_border star_border star_border

Filter by:


Sort by:

star star star star star

Ms. Rodriguez

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

11 years ago

star star star star star

Lindsay McCurnin Greenwell Springs, LA

I can't say enough about Kyle at Heartland.. He was amazing! He laid out our plan concisely, followed through, and stayed consistent and available. He kept me up-to-date and smoothly handled the stress of all the bumps in the road so to speak. Everyone at heartland was professional, yet sympathetic, truly caring about helping me during a very stressful time that is purchasing a home. I can't thank them enough!

7 years ago

star star star star star

Alondra Cedar Rapids, IA

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.

10 years ago

star star star star star

Diane Richmond, VA

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!!!!

8 years ago

star star star star star

Angela Hagedorn North Liberty, IA

The staff went above and beyond assisting me with my clients. We were up against a deadline for closing and they accomplished what we needed. Result, new/happy homeowner!

7 years ago

star star star star star

Matt P Treadwell West Des Moines, IA

This service has been great. My score went from a 500 to a 630. Unbelievable.

7 years ago

star star star star star

Tina Darnell Des Moines, IA

Kyle was amazing and answered all of my questions.

7 years ago