Hire the Best Credit Repair Freelancers
in the United States

I am an experienced finance professional who specializes in credit risk, loan underwriting, and financial analysis. Most of my career has been spent working in the banking industry, where I look at financial data, check credit histories, and evaluate loan applications to make safe lending decisions. I am very detail-oriented, comfortable with strict regulations, and skilled at helping banks and clients manage risk.

I am a seasoned Accounts Receivable Manager with 11 years of experience in credit risk management and customer relationship development. I specialize in negotiating effective payment plans that minimize financial losses while consistently achieving collection targets. My expertise includes credit analysis, compliance auditing, and mentoring junior team members to drive performance and efficiency. I thrive in complex environments where strategic thinking meets practical execution. If you're seeking a detail-oriented professional who can enhance your credit operations and foster strong client partnerships, let's discuss your needs and explore how I can contribute to your success.

It is my job to help secure your revenue and track your cash flow all the way to the bank. I bring strong expertise to collections, cash flow management, and accounting process workflows, all while maintaining excellent customer service and client relationships. I focus on creating practical credit policies that reduce late payments, minimize financial risk, and help you make informed decisions before extending credit to clients. Additionally, if your business requires alignment with FDCPA guidelines, I can design personalized collection templates tailored to your specific operations. I have extensive experience working with CPG companies, including Walmart and other major retailers. This background allows me to efficiently manage and resolve chargebacks, disputes, and short-paid invoice deductions that impact your bottom line. My background includes over ten years of full-cycle accounting experience with a specific focus on billing, software implementation, and credit balance management. I am certified to work with international clients, credit management, and risk analysis. Through my freelance experience across a wide variety of industries, I have developed techniques that successfully reduce DSO by up to 26 days in three months or less, a result that significantly stabilizes cash flow for small and mid-sized businesses. My primary expertise lies in supporting marketing agencies, IT and SaaS companies, and small law firms, allowing me to easily navigate the unique billing structures and client dynamics of these industries. Don't worry if you do not fall into one of these categories, if I am not the right person to help you I will get your resources or point you in the best direction for you. Core Expertise: Credit Management & Global Credit Policy Debt Collection & FDCPA Compliance Accounts Receivable & Efficient Invoicing Accounting Automations & Workflow Implementation Dispute Resolution & Deduction Management GAAP Compliance & General Ledger Analysis My favorite part of accounting is analyzing aging and risk reports and systematically resolving outstanding accounts. I oversee the entire invoicing lifecycle to ensure accuracy, confirmed receipt, and prompt payment. Every business relies on steady cash flow to grow, and my goal is to provide the financial infrastructure that supports that growth. Beyond my daily consulting work, I have utilized my expertise to publish books on credit policies, debt collection practices, and accounts receivable strategies. I offer strong analytical skills, particularly in financial reporting and general ledger reconciliation. My original professional background is rooted in customer service, and I am highly proficient in systems including NetSuite, Acumatica, Xero, QuickBooks, Clio, and Salesforce. If you are looking to implement AR automations such as AI driven billing reminders via ChatGPT, Zapier, or Make, but are unsure where to start, I can design and deploy those workflows for you. I am also fully fluent in productivity and specialized tools like Monday, Asana, Notion, Process Street, and Chaser. Using these strategies, I previously designed and executed management techniques that drove a 32% increase in company cash flow within a single year.

Hi. I am Nancy Thorne, a top-rated Upwork content and website copy writer with 15 + years of experience writing well-researched, engaging, and high-performing SEO content that strengthens your brand voice and drives measurable traffic to turn readers into clients I have written content for clients in a variety of industries including AI, coaching, counseling, credit repair, education, finance, HVAC, interior design, law, marketing and media, residential and commercial services, manufacturing, payment processing, property management, SAAS, tax, and more. Let’s schedule a quick call or messaging chat to discuss your project in detail and how I can help you. I provide: Short and long-form blog articles Website and landing page content and copy Expertise: • Keyword research • Content strategy planning • On-page SEO implementation (headings, metadata, internal links) What You Can Expect: ☑Native U.S. English writing ☑100% unique, AI- and plagiarism-free content ☑Proofread and professionally edited copy ☑Keyword-optimized content with clean formatting ☑On-time delivery—every time What clients Say About Me "Nancy is an excellent writer with great research skills. She listens to our client's needs and excellently stays on brand regardless of the customer or industry. We highly recommend her and look forward to continuing to work with her.” -Pivotal Pointe Marketing “Nancy is a copywriting rock star. She is an excellent writer and editor of blog articles and website landing pages. Very professional with clients and staff members. “ ~ Roman Media "Nancy was a wonderful find! She quickly understood the client and has been able to turn projects around lightning fast. With her, thoroughness and ability to go the extra mile, I would recommend her to anyone in need of a professional and beyond-capable writer." -SegPay "Nancy found angles in the article that I completely missed during my initial SEO research. If you're looking for an experienced SEO writer who can uncover all the hidden gems, Nancy is your go-to!" ~ Epic Trucking

PROFESSIONAL SUMMARY Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 20 years of resolving credit disputes and making recommendations on bad debt accounts. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

I am an industry expert for HVAC, plumbing, electrical, roofing, landscaping, dentistry, healthcare (doctor-owned practices), or legal, you’ve come to the right expert! With years of experience crafting winning strategies for these industries, I know exactly what it takes to drive results. Are you ready to generate high-quality leads and grow your business like never before? I’m not just any freelancer—I’m an Expert-Vetted & Top Rated Plus digital marketing specialist, placing me in the elite top 1% on Upwork. My perfect 100% success rate speaks volumes about my dedication to helping businesses succeed. Lead generation is my specialty. From setting up seamless form-based lead capture systems to optimizing ad campaigns that consistently deliver high-quality prospects, I’ve done it all. Whether your budget is a modest $1,000 or a robust $1.5M per month, I excel at creating Google Ads, Meta Ads, Bing Ads, and LinkedIn Ads that deliver measurable results. Over the past 8+ years, I’ve helped startups and enterprises alike boost conversions, skyrocket ROI, and build thriving customer pipelines. For industries that rely on forms to capture leads, my expertise ensures every click counts. I also fine-tune your marketing ecosystem with conversion tracking, high-performing landing pages, and persuasive ad copy that compels action. But my skills don’t stop at advertising! I can help optimize your overall digital marketing strategy, including SEO, email automation, social media planning, and content marketing—all tailored to drive growth in your specific industry. What sets me apart? Communication. I’ll keep you informed every step of the way, working as your partner to bring your vision to life. Your success is my priority, and I won't stop until we achieve your goals. Don’t settle for mediocre results—partner with a proven digital marketing expert and watch your business thrive. Let’s create a lead generation strategy that works for your business. Ready to start? Let’s talk!