Rose Ann A.Private profile: Upwork shows its earnings only to signed-in members, so we check it every few weeks, not daily. MRR here is a rough estimate (Upwork's six-month earnings ÷ months active). Last read Nov 5, 2026.

I'm a Credit Repair Dispute Manager with nearly 8 years of experience working behind the scenes for U.S. credit repair companies, I worked at a credit repair outsourcing company where I served 6 CEO-led credit repair companies at the same time. I handled disputes for all of their clients on their behalf, reported to each CEO, and kept every client file current across all six businesses. Beyond disputes, I've managed client onboarding, customer support, billing, and company workflows, so I can step in as a true right hand to a business owner, not just a letter processor. DISPUTE EXPERTISE I go far beyond generating dispute letters. I analyze each credit profile, identify reporting inconsistencies, build account-specific strategies, manage every dispute cycle, review investigation results, and decide the next move when an item is verified, still inaccurate, or re-reported. I combine factual and Metro 2®-based disputes with consumer law (FCRA, FDCPA, TILA) instead of relying on templates or one-size-fits-all sweeps. - Advanced credit report analysis and account-level strategy - Factual, documentation-based, and Metro 2® disputes - Round-by-round dispute management - Bankruptcies, student loans, tax liens, child support, charge-offs, collections, late payments, and inquiries - Identity-theft and data-breach documentation - Verification and reinvestigation issues - FTC, CFPB, BBB, and State Attorney General escalations - Secondary bureaus: Innovis, LexisNexis, SageStream, CoreLogic, NCTUE, ChexSystems CLIENT ONBOARDING & CUSTOMER SUPPORT - Onboarding new clients: intake, agreements, ID and document collection, credit monitoring setup, and CRM entry - Monthly progress updates explaining results in plain language - Handling client questions, concerns, and escalations by phone, email, and chat - 3.5 years of prior customer service and sales experience at Alorica and Teleperformance (U.S. healthcare and telco accounts) BILLING & COMPANY OPERATIONS - Client billing, payment tracking, and follow-up on failed or missed payments - Managing daily operations and workflows for credit repair businesses - Building and improving processes, SOPs, and task systems - Coordinating with CEOs and team members to keep every file on schedule - Credit repair sales experience TOOLS Credit repair CRMs: DisputeFox, Credit Repair Cloud, Credit Dispute Manager, Credit Dispute Cloud, ReadyToGoLetters Operations & communication: GoHighLevel, Keap, Asana, Slack, Dropbox, RingCentral Mailing & fax: LetterStream, Lob, HumbleFax PROVEN RESULTS - Bankruptcy, student loan, tax lien, and child support deletions - Charge-off, collection, and hard inquiry deletions - Late payments corrected to positive/current status - Incorrect account-status, payment-history, and personal-information corrections I work during your business hours so I'm available to your clients and to you. If you need someone who can handle disputes, keep clients happy, and help run the business side, let's talk.