Take the next step in your career journey with Spell Outsourcing
Job Description:
PHP ___ / month + performance bonusWe’re looking for a detail-oriented Credit Repair Specialist to help our US clients correct reporting errors, improve their scores, and build healthy credit. You’ll analyze tri-bureau reports, draft disputes, track outcomes, and educate clients—while staying fully compliant with US and PH regulations.
Key Responsibilities
Pull and analyze tri-bureau credit reports; identify inaccuracies and negative items.
Draft and send disputes to CRAs and furnishers (mail/E-Oscar/online); manage follow-ups and re-investigations.
Document all actions in our CRM/credit repair platform; maintain case timelines and SLAs.
Advise clients on utilization, payment strategy, and rebuilding steps; provide clear status updates.
Track KPIs: dispute success rate, turnaround time, client satisfaction, and retention.
Ensure compliance with FCRA, CROA, FACTA, CFPB guidance, and the Philippine Data Privacy Act.
Qualifications
1–3+ years in credit repair, disputes, collections, or consumer finance (US market preferred).
Working knowledge of Metro 2, E-Oscar, credit scoring (FICO/VantageScore), and CRA processes.
Strong English communication (written & verbal); confident client messaging and call handling.
High accuracy, organization, and follow-through; comfortable with deadlines and targets.
Nice to Have
Experience with Credit Repair Cloud, SmartCredit, IdentityIQ, or similar tools.
Familiarity with CFPB/BBB complaint handling and goodwill/validation/verification strategies.
Excel/Google Sheets skills for trackers and simple dashboards.
Tools We Use
Credit Repair Cloud (or similar), E-Oscar, IdentityIQ/SmartCredit, Gmail/GSuite, Excel/Sheets, VoIP/Helpdesk.
Benefits
Competitive salary + bonuses tied to results
HMO after probation | Paid leaves | Training & certifications
Career growth into Senior Specialist / Team Lead