HeartLand Credit Restoration

• 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.

• 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.