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Joy Henny
@joy_henny
Corporate and Personal Credit Restoration Specialist, Dispute Expert
Vereinigte Staaten
Spanisch
Über mich
Welcome to my profile! I’m a credit repair and dispute letter specialist helping individuals and businesses address credit report errors. I provide personalized credit audits and dispute letters for inaccurate late payments, collections, and charge-offs, with knowledge of FCRA and FDCPA guidelines in the US and Canada. I value honesty, privacy, and professionalism. Let’s work together toward healthier credit and stronger financial opportunities. Message me today!
Kompetenzen
Joy Henny
offline •
Meine Dienstleistungen
Persönliche Budgetverwaltung
I will write professional credit repair dispute letters to fix your credit
Arbeitserfahrung
Independent Credit Restoration Specialist
SALES • Freiberufler
May 2023 - Oct 2026 • 3 yrs 5 mos
Operated an independent freelance consulting practice helping individuals fix credit report inaccuracies and repair their financial standing. Analyzed credit files, drafted personalized bureau challenges, and followed up on 30-to-45-day investigation windows. Empowered clients to take control of their financial data, resulting in consistent credit score increases and improved loan approval rates.
Kwork
Freiberufler • 8 yrs 8 mos
Senior Credit Consultant
Sep 2022 - Oct 2026 • 4 yrs 1 mo
Conducted comprehensive credit report audits for over 200 clients to uncover billing errors, identity theft markers, and outdated public records. Developed customized credit restoration roadmaps that educated clients on how to optimize their credit utilization and mix of accounts. Maintained a 92% client satisfaction rating by providing transparent monthly progress updates and helping clients successfully qualify for home mortgages and auto loans.
Debt Settlement & Credit Specialist
Mar 2022 - Oct 2026 • 4 yrs 7 mos
Negotiated directly with collection agencies and credit card issuers to secure favorable debt settlements and pay-for-delete agreements for clients. Structured affordable debt paydown schedules that simultaneously lowered client debt-to-income (DTI) ratios and protected their credit profiles. Provided expert guidance on navigating aggressive collection practices while safely restoring damaged credit lines.
