
StephJerry
Turning Negative to Positive
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Credit Disputer
Credit Friendly Homes LLC • Freelance
Jan 2026 - Mar 2026 • 2 mos
Provide professional credit repair services and credit restoration support by conducting in-depth analysis of consumer credit reports from all major credit bureaus including Experian, Equifax, and TransUnion. Identify, investigate, and dispute inaccurate, outdated, unverifiable, and misleading negative items affecting credit scores such as collections, charge-offs, late payments, repossessions, bankruptcies, foreclosures, public records, tax liens, judgments, and hard inquiries. Prepare and submit legally compliant dispute letters under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Fair and Accurate Credit Transactions Act (FACTA) to ensure proper consumer protection and credit file accuracy. Assist clients in understanding their credit profiles, credit utilization, payment history, account status, and overall creditworthiness while providing strategic credit improvement guidance. Communicate with credit bureaus, original creditors, and third-party collection agencies to verify account legitimacy, request validation of debts, and challenge unverifiable reporting. Maintain detailed case management records, track dispute progress, and update client files using CRM systems and credit repair software. Deliver end-to-end credit repair support including client onboarding, credit report interpretation, dispute strategy development, document preparation, follow-up correspondence, and resolution tracking. Ensure strict confidentiality and data protection while handling sensitive personal and financial information. Provide clear, professional, and consistent communication throughout the entire credit repair process to keep clients informed of updates, outcomes, and next steps.