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Credit Dispute Jobs (NOW HIRING)

PenFed Credit Union

Credit Bureau Specialist

Omaha, NE · On-site

$18.56 - $29.36/hr

Acts as a point of contact regarding credit bureau dispute processing. * Answer in-bound calls that are related to credit bureau issues and questions. * Partner directly with the credit bureaus ...

State Employees Credit Union

Dispute Specialist

Santa Fe, NM · On-site

$20 - $23.53/hr

The Dispute Specialist is responsible for processing and resolving debit and credit card disputes in accordance with regulatory requirements, card network rules, and internal procedures. This role ...

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Citizens Bank

FCRA Disputes Specialist

Glen Allen, VA · On-site

We are seeking a highly skilled and experienced FCRA Disputes Specialist to lead complex credit reporting dispute resolutions while ensuring strict adherence to Fair Credit Reporting Act (FCRA ...

PenFed Credit Union

Card Dispute Specialist

Omaha, NE · Hybrid

$16.82 - $25.12/hr

Accurately and efficiently review and process Credit, Debit, and ATM card transaction dispute ... claims/chargebacks. * Conduct reasonable and logical investigation to resolve card transation ...

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$12

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$32

How much do credit dispute jobs pay per hour?

As of Jul 7, 2026, the average hourly pay for credit dispute in the United States is $23.19, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $25.96 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Credit Dispute Specialist, and why are they important?

To thrive as a Credit Dispute Specialist, you need a strong understanding of credit reporting laws (like FCRA), attention to detail, and analytical skills, often supported by experience in finance or customer service. Familiarity with dispute management platforms, credit bureau systems, and CRM tools is typically required. Excellent communication, problem-solving abilities, and patience are essential soft skills for effectively resolving customer concerns. These skills ensure accurate dispute resolution, regulatory compliance, and high levels of customer satisfaction.

What is the difference between Credit Dispute vs Credit Analyst?

AspectCredit DisputeCredit Analyst
Required CredentialsTypically no formal certification, but knowledge of credit laws helpsOften requires a degree in finance, economics, or related field; certifications like CFA are common
Work EnvironmentPrimarily office-based, handling customer disputes and credit reportsOffice setting, analyzing credit data and financial statements
Employer & Industry UsageUsed by credit bureaus, debt collectors, and financial institutionsEmployed by banks, lending companies, and financial firms

While both roles involve credit information, a Credit Dispute specialist focuses on resolving credit report inaccuracies and customer disputes, whereas a Credit Analyst assesses creditworthiness for lending decisions. Understanding these differences helps job seekers target the right roles in the credit industry.

What are credit dispute specialists?

Credit dispute specialists are professionals who help individuals or organizations resolve errors or inaccuracies found on credit reports. They review credit reports, gather supporting documentation, and communicate with credit bureaus and creditors to dispute incorrect or fraudulent information. Their goal is to ensure that credit reports are accurate, which can positively impact a person's credit score and financial opportunities. Credit dispute specialists may work for credit repair companies, law firms, or as independent consultants.

What are some common challenges faced by professionals working in credit dispute roles, and how can they be managed?

Professionals in credit dispute roles often encounter challenges such as managing high volumes of cases, navigating complex regulations like the Fair Credit Reporting Act, and communicating effectively with both customers and credit bureaus. Balancing accuracy with efficiency is essential, as errors can impact customers' credit histories. To manage these challenges, it's helpful to stay organized, keep up-to-date with regulatory changes, and develop strong communication and problem-solving skills. Collaborating closely with compliance teams and using specialized dispute management software can also streamline the workflow.
More about Credit Dispute jobs
What cities are hiring for Credit Dispute jobs? Cities with the most Credit Dispute job openings:
What states have the most Credit Dispute jobs? States with the most job openings for Credit Dispute jobs include:
What job categories do people searching Credit Dispute jobs look for? The top searched job categories for Credit Dispute jobs are:
Credit Dispute jobs near you
Infographic showing various Credit Dispute job openings in the United States as of July 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $48,239 per year, or $23.2 per hour.
Credit Dispute Representative II

Credit Dispute Representative II

SchoolsFirst Federal Credit Union

Tustin, CA • On-site

Full-time

Posted 13 days ago

SchoolsFirst Federal Credit Union rating

8.6

Company rating: 8.6 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

We're always looking for diverse, talented, service-oriented people to join our exceptional team.
Credit Dispute Representative II
The pay range for this position is listed below. Our pay ranges are built to allow for candidates with various levels of skill and experience to be considered, as well as for room for growth and tenure achieved in a role over time. Typical new hire salary offers fall within the minimum to midpoint of a pay range for many candidates. Any offer extended to a candidate will be based upon their unique set of knowledge, skills, education, and experience as well as internal equity.
Pay Range:
$22.33 - $32.38
Scheduled Weekly Hours:
40
What You'll Be Doing
Evaluate, investigate, analyze, respond, track, and audit all credit disputes related to credit bureau reporting. Ensures the accuracy and integrity of furnished credit report data with compliance of the Fair Credit Reporting Act (FCRA) and its implementing regulations.
  • Reviews and researches credit disputes originated by our Members through various channels of communication including verbal, written, email, and electronically through system in conjunction with applicable federal and state regulations.
  • Utilizes industry standard platforms to respond to indirect disputes, including e-OSCAR as well as accessing information from the websites for the three major credit reporting agencies (CRAs) to perform and complete dispute investigations.
  • Identifies trends in credit disputes to help identify system or reporting gaps; participates in addressing gaps.
  • Validates the integrity of the request with thorough analysis to ensure appropriate steps are taken to resolve disputes. This may require reaching out to the credit bureaus for additional support.
  • Investigates and resolves consumer credit bureau disputes by reviewing both internal account records and credit bureau records.
  • Analyzes pertinent Member financial and credit data; has authority to approve or deny dispute requests within the FCRA guidelines.
  • Communicates the credit dispute decision to the teammember, Member or the credit bureaus within the regulatory time frame.
  • Ensures proper documentation of all received disputes in applicable system(s).
  • Audits department reports for management review.
  • Serves as the subject matter expert on projects that impact or rely upon credit bureau reporting. Develops recommendations based on research and analysis for management upon request.
  • Handles Members concerns and complaints or escalates issues as warranted, while maintaining the Credit Union's primary focus on Member Service.

Additional Job Functions
  • Performs other duties as assigned
  • Complies with regulatory compliance and assigned training requirements including but not limited to BSA regulations corresponding to their specific job duties. Failure to do so may result in disciplinary and other employment related actions

Qualifications
  • High School Diploma or GED required
  • 1-3 years of prior related experience required

Knowledge, Skills, and Abilities
  • Has basic to intermediate understanding of the guidelines outlined in the Fair Credit Reporting Act as well as credit dispute standard operating procedures/desktop procedures. Documents updates to procedures as applicable.
  • Proficient with standard credit industry business rules and regulatory and disclosure requirements
  • Understand how products work and ability to discuss credit impact both positive and negative

SchoolsFirst FCU is committed to Diverse, Equitable, and Inclusive Hiring
At SchoolsFirst FCU we are dedicated to building and growing a diverse, inclusive, and authentic Dream Team, so if you're excited about a position or wanting to make a career change but your past experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. Many skills are transferrable and you may be just the right candidate for the position, or for other roles we are working on.
SchoolsFirst Federal Credit Union is committed to fostering, cultivating, and preserving a culture of diversity and inclusion. SchoolsFirst FCU is an equal opportunity employer and prohibits discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibits discrimination against all individuals based on their race, color, religion, sex, national origin, age, sexual orientation, gender identity or expression, political affiliation, or genetic information.
This organization participates in E-Verify.

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