Credit Optimization Specialist (Credit Repair Experience) | 700 to 800+ | Long-Term Potential

I’m a business owner looking for an experienced credit specialist to help take my personal credit score from the low 700s to 800+. The target timeline is 2 to 3 months. I know that’s aggressive, and I want someone who will tell me honestly what’s achievable in that window and what will take longer, rather than someone who promises a number.

If this engagement goes well, there will be additional work, including business credit building and ongoing financial operations support. I’m looking for a long-term partner, not a one-off gig.

What You’ll Do

• Review my three bureau reports (Equifax, Experian, TransUnion) and identify exactly what is holding my score below 800
• Deliver a written, prioritized action plan with expected impact and timing for each item
• Draft dispute letters for any inaccurate, outdated, or unverifiable items, and goodwill letters where appropriate
• Build a utilization strategy, including statement-date payment timing and credit limit increase requests
• Track score changes weekly and report progress in a simple shared tracker
• Advise on what NOT to do (new accounts, closures, inquiries) during the optimization window

Requirements

• 3+ years of hands-on credit repair or credit optimization experience with US clients
• Strong working knowledge of FICO 8, FICO 9/10, and VantageScore, and how each weighs utilization, age, and payment history
• Working knowledge of the FCRA, FDCPA, and Credit Repair Organizations Act
• Experience with clients already in the 700s (optimizing a good score is different from repairing a poor one)
• Excellent written English. Your dispute letters will go to US bureaus and creditors.
• Attention to detail is non-negotiable. To confirm you read this posting in full, type the word SPARK in all caps at the very top of your application and in your email subject line. Applications without it will not be reviewed.
• Comfortable with Google Sheets or Excel for progress tracking
• Available for at least two 30-minute video calls per month during US Central Time business hours

Security and Working Arrangement

• I will provide redacted reports and documents. You will not need my logins, passwords, or full SSN, and you should never ask for them.
• I will submit all disputes and account requests myself based on your drafts and instructions.
• Payment is per completed milestone or hourly for work performed. I do not pay upfront fees for promised results.

How to Apply

Please include:

• A short summary of your credit optimization experience, specifically with clients starting in the 700s
• One or two anonymized examples of results you’ve achieved (starting score, ending score, timeframe)
• Your honest view: is 700 to 800+ in 2 to 3 months realistic, and what factors d ---------- it?