 LaDona DeKriek, Co-owner and Founder of Specialized Recovery, LLC is an expert on credit reporting and credit scoring. Additionally, her expertise includes FCRA, CROA, FDCPA and knowledge of credit damages and other related procedures regarding credit.
LaDona has over 35 years of experience in the consumer credit industry which include:
- Specialist in credit counseling, credit education, credit reporting, credit validation and verification reviewing all types of credit problems and solutions since 2007.
- Five years in credit administration for First National Bank, Sikeston, MO reviewing all types of loan applicants, financial statements, and loan problems.
- Administrative and Credit Director of HRH Dumplin’s Franchises, of Nashville, TN handling all the financial work for the company and franchisees in addition to selling franchises.
- Owner and Operator of 11 Diet Center, Inc franchises. Member of the company Advisory Board headquartered in Rexburg, Idaho.
- Credit Administrator and operator for Travel with Flair, travel agencies located in Missouri and Arkansas. Handled the flow of money between the agencies, airlines, cruise companies and tour operators.
- 18 years as Bank Board Member for Montgomery Banks, Sikeston, MO. Past Chairman of Agricultural Credit Committee. 15 years as member of Credit Management Committee and Audit/Compliance.
SPECIALIZED TRAINING
Credit CRM Certification - Included credit scoring, education on credit reports and credit restoration.
CREDIT BOOT CAMP - Included defining deceptive credit practices and understanding dispute processes. Extensive study of laws governing the Credit Industries.
JOHN ULZHEIMER EXPERT WITNESS CERTIFICATION - Courses in how to be an expert witness in the field of Credit Reporting including determining credit damages and understanding depositions.
CONTINUING EDUCATION
Received on an annual basis through attendance and participation at numerous conferences, training seminars and workshops of recognized organizations such as the:
- OCC Compliance Risk Workshop, Little Rock, AR 2007
- Credit Conference featuring Edward Jamison in Las Vegas, NV 2008
- OCC Credit Risk Workshop, San Antonio, TX 2009
- Mike Citron Credit Business Training, Dallas, TX 2010
- John Ulzheimer Expert Witness Educational Seminar 2011
- OCC Assessing Credit Risk, Baltimore, MD 2011
- OCC Compliance Workshop, Baltimore, MD 2011
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 Becky D. Ault, President and Co-Owner of Specialized Recovery, LLC dba Specialized Recovery Credit Solutions. Her extensive knowledge of credit includes reviewing numerous credit reports and responses from Credit Reporting Agencies. She understands how to assess credit damages caused by derogatory reporting on consumer’s credit reports. She is current on FCRA, CROA, and FDCPA as well as the rules and regulations of the Federal Trade Commission and various states requirements regarding credit.
FORMAL EDUCATION
Bachelor of Science Degree in Agri-Business, Southeast Missouri State University, Cape Girardeau, MO
EXPERIENCE
- Becky is a Credit Specialist for her company, Specialized Recovery Credit Solutions which opened in 2007. She works daily on credit reports and education of customers on how to read reports, correct problems, budget to pay off creditors, and understand the laws regarding credit. She teaches customers how to raise and keep better scores in the future. She teaches them methods to modify good credit to their advantage in order to always be able to qualify for the necessities they may need in life. She has read and analyzed over 1200 reports.
- She spent three years as Credit and Sales Manager for Office Furniture Manufacturing, a manufacturer and provider of office furniture for schools, nursing homes and the general public. She assessed the customer’s credit to determine whether they would qualify or not for 30-60 day credit limits.
- Credit, sales and management for “Puttin on the Glitz”, a luxury evening gown, wedding and party apparel store.
- Owner and operator of “How Does Your Garden Grow?”, a gardening and landscape design business where she handled the operational and credit for businesses and individuals. She is also a Master Gardener.
- Customer Service Representative for Montgomery Bank, Sikeston, MO while in college.
OTHER RELEVANT EXPERIENCE
Becky was the author of a monthly newspaper column titled “Credit Savvy” explaining different items of interest regarding credit scoring and credit reports.
She is presently in the process of completing a book addressing unusual credit problems and solutions to be published in 2011.
She currently lectures on the importance of “Accurate Reporting on Credit Reports” and “Improving Your Bottom Line By Improving Your Client’s Credit Score” throughout the Southeast Missouri area at workshops and training seminars attended by mortgage originators, realtors, car dealers, and insurance agents. She also presents seminars on “Credit Score-The 3 Digit Number That Shapes Your Financial Future” which are given free of charge to civic organizations, businesses and local churches.
Ongoing Education and Specialized Training
Attends and participates on an annual basis, business related conferences, training seminars and workshops such as:
2009 Credit CRM Workshop, Las Vegas, NV –Education on examining credit reports for accuracy and how to remove incorrect items, marketing your business and adhering to the law regarding credit. Taught by Edward Jamison, Attorney .
2010 Credit Boot Camp, Dallas, TX-Details of dispute processes and how the Credit Reporting Agencies and creditors function. Credit Industry rules, regulations and laws as they pertain to each state. 2
011 John Ulzheimer Expert Witness Educational Seminar, Tampa FL-Learned how to be an expert witness as it relates to credit report’s accuracy. Program included practice depositions and interviews. |
