Heartland Credit Restoration provides credit repair and educational services on a monthly basis to professional and consumers throughout the United States; however, Heartland Credit is more exclusive than some credit repair companies, focusing mainly on individuals with the best chance to improve their credit.
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. Benefits of their service include:
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, they give a report about your credit, what the company has been able to work on, as well as what the current score is for the customer. They send this report over email and then the next day they give the customer a call to go over it with them. Customers can expect to pay monthly rates per individual for the credit repair process. (Customer has 5 day right to cancel. Charges don’t apply until after 15 days.)
Compliant with Law
Heartland is compliant with the FCRA and CROA laws, evident in reputable and trusted companies. Additionally, the company is mainly a referral-based company, with 90% of its business coming from realtors, banks, and returning customers.
While HeartLand Credit Restoration provides a quality and customized service to their clients, there are also a number of limitations prospective customers should be aware of. These drawbacks include the following items:
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.
No Detailed Information
The company does not provide pricing information on its corporate website. There is little disclosure regarding the offered services as well. Consumers will have to call the company directly and speak with a customer service representative in order to access detailed credit repair process information.
Frequently Asked Questions
How much does Heartland Credit Restoration service cost?
Heartland Credit Restoration does not specify what its credit repair services cost, but there are no upfront fees.
Does Heartland Credit Restoration allow me to enroll more than one person or my whole family?
It is unclear whether the credit repair services available from Heartland Credit Restoration will work for both individuals and families.
How does Heartland Credit Restoration repair my credit?
The credit repair services from Heartland Credit Restoration work by providing customers with resources to help them make better decisions and improve their scores.
Does Heartland Credit Restoration provide credit monitoring?
One service that Heartland Credit Restoration provides is credit monitoring to help customers stay on top of their situation.
How long will it take before I start seeing results with Heartland Credit Restoration?
There is no available time frame available for seeing results with Heartland Credit Restoration.
What results can I expect from Heartland Credit Restoration?
Like their timeline, Heartland Credit Restoration has not published average results that its customers can expect.
How can I contact Heartland Credit Restoration?
Heartland Credit Restoration can be contacted by phone at 888-573-2822 or through the online application.
Heartland Credit Restoration has not published any results of customers who have increased their credit scores. So customers will not know what to expect from the company’s credit services.
While Heartland Credit Restoration claims that its prices for credit restoration services are affordable, the company does not give exact prices or estimates. The only specific piece of information available concerning price is that there are no upfront fees for a review or consultation. They only begin to charge when services have begun.
How it Works
Heartland Credit Restoration operates with the following three step credit repair process.
Step #1: Analysis and Plan
During the initial consultation, credit analysts will review credit reports for inaccuracies and create a confidential and customized credit repair action plan.
Step #2: Dispute Process
The company will then draft dispute letters and send to the major credit bureaus. m credit bureaus. An investigation will be conducted and results will be sent to the consumer within 35 days.
Step #3: Coaching
The company will continue credit dispute monitoring and budget coaching services as needed.
What to Expect when Signing Up
Everyone who begins services with Heartland Credit Restoration will get a free credit review where they will go over their credit history. A plan will be developed and the customer will also get advice on good credit habits moving forward. After the free review and consultation period, it is unclear how the rest of the restoration process continues. The specifics of each step of the process are obviously discussed in the initial meeting but are not available to customers before that.
What Can Be Removed
There is a very large lack of transparency on the part of Heartland Credit Restoration regarding its exact practices of credit repair. The company does not share which types of line items they work to remove from its customers’ credit reports. It is also unclear how the company disputes these items, or if it does at all. Customers will get an outlined plan that will help them move forward to increasing their credit scores.