HeartLand Credit Restoration
Is This Your Business?Author: Kaitlyn Short
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.
