Jones Olivia

Credit Analyst & Consumer Rights Specialist

Financial • ZZP

Aug 2026 - Sep 2026 • 1 mo

Specialized in reviewing consumer credit files and challenging unverifiable and non-compliant data reported by the three major credit bureaus and third-party collection agencies. Key Responsibilities & Achievements: • Analyzed complex credit reports across SmartCredit, IdentityIQ, and MyFreeScoreNow to identify FCRA and FDCPA violations. • Prepared multi-round dispute strategies, including debt validation requests, pay-for-delete negotiations, and goodwill letters directly to creditors. • Guided clients through the dispute timeline, helping them track bureau response windows (30–45 days) and review updated reports. • Created step-by-step credit optimization roadmaps focused on debt-to-income balance and positive trade line additions. • Consistently received 5-star client satisfaction ratings for prompt communication, attention to legal detail, and clear guidance

Senior Credit Repair Specialist & Dispute Strategist

Finance Lobby • ZZP

May 2026 - May 2026 • 0 mos

As a professional Credit Consultant, I help individuals analyze, dispute, and rebuild their personal credit profiles using consumer protection laws (FCRA, FDCPA, FACTA). Key Responsibilities & Achievements: • Conducted comprehensive Tri-Merge credit audits (Equifax, Experian, TransUnion) to identify reporting inaccuracies, unauthorized inquiries, outdated accounts, and improper collection actions. • Drafted custom, highly targeted, Metro 2-compliant dispute letters tailored to client-specific negative marks rather than using generic templates. • Handled complex disputes involving collections, charge-offs, late payments, bankruptcies, and student loans. • Provided strategic coaching on credit rebuilding, credit utilization management, and authorized user tradelines to support score recovery. • Maintained strict compliance with the Credit Repair Organizations Act (CROA) and ensured 100% data confidentiality for all client information. • Successfully assisted hundreds of clients in clarifying their credit histories ahead of mortgage, auto loan, and business credit applications.b

Public Records Researcher

Research America • Freelance

May 2022 - May 2023 • 1 yr

Conduct public records and online research using publicly available and lawful sources. Collect, organize, and verify information for legitimate research and business purposes. Perform web research, data collection, document research, property and business research, and information verification. Deliver accurate, well-organized findings while maintaining attention to detail, confidentiality, and clear communication.