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Credit Report Specialist Jobs (NOW HIRING)

NC SECU

To work directly with seasoned Credit Reporting Specialists, utilizing knowledge of the Fair Credit Reporting Act (FCRA) and related regulations, along with knowledge of Metro 2 furnishing rules, to ...

Matheson Tri-Gas, Inc.

Credit Specialist

Irving, TX · On-site

The Credit Specialists will be able to accurately interpret the financial statement data and ... report profiles to analyst payment trends and overall business viability Prepare and present ...

Matheson Tri-Gas

Credit Specialist

Irving, TX · On-site

The Credit Specialists will be able to accurately interpret the financial statement data and ... report profiles to analyst payment trends and overall business viability Prepare and present ...

Matheson Inc.

Credit Specialist

Irving, TX · On-site

The Credit Specialists will be able to accurately interpret the financial statement data and ... Create new customers in ERP * Perform analysis of Dun & Bradstreet credit report profiles to ...

PenFed Credit Union

Credit Bureau Specialist

Omaha, NE · On-site

$18.56 - $29.36/hr

The primary purpose of the Credit Bureau Specialist role is to investigate and respond to credit ... The incumbent will ensure compliance and balance with standard credit bureau reporting.

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How much do credit report specialist jobs pay per hour?

As of Aug 31, 2026, the average hourly pay for credit report specialist in the United States is $23.36, according to ZipRecruiter salary data. Most workers in this role earn between $18.75 and $26.44 per hour, depending on experience, location, and employer.

What does a credit report specialist do?

A Credit Report Specialist is responsible for reviewing, analyzing, and verifying credit reports for individuals or organizations. They ensure that the information on credit reports is accurate and up to date, and often help resolve discrepancies or disputes. These specialists may work for banks, lending institutions, or credit bureaus, and play a key role in determining creditworthiness for loans or other financial products. They also stay informed about regulations affecting credit reporting, such as the Fair Credit Reporting Act.

What are the key skills and qualifications needed to thrive as a credit report specialist?

To thrive as a Credit Report Specialist, you need a solid understanding of credit reporting processes, financial analysis, and data accuracy, often supported by a background in finance or accounting. Familiarity with credit bureau systems, credit reporting software, and regulatory compliance tools such as FCRA guidelines is essential. Attention to detail, strong problem-solving abilities, and effective communication are vital soft skills for resolving discrepancies and supporting clients. These competencies ensure accuracy, legal compliance, and trustworthy financial reporting for both organizations and consumers.

What are some common challenges faced by credit report specialists when verifying client information, and how can they be addressed?

Credit Report Specialists often encounter challenges such as incomplete or inconsistent client data, discrepancies between reported information and credit bureau records, and tight deadlines for report delivery. These issues can be addressed by maintaining strong attention to detail, using standardized verification procedures, and leveraging up-to-date database tools. Effective communication with clients and internal teams is also essential to quickly resolve discrepancies and ensure accuracy in reporting.

What is the difference between Credit Report Specialist vs Credit Analyst?

AspectCredit Report SpecialistCredit Analyst
Required CredentialsHigh school diploma or equivalent; certifications like FICO or credit reporting trainingBachelor's degree in finance, economics, or related field; certifications like CFA or credit analysis courses
Work EnvironmentOffice setting, primarily handling credit reports and data entryOffice or remote, analyzing credit data to assess risk
Employer & Industry UsageBanks, credit bureaus, lending companiesFinancial institutions, investment firms, credit agencies
Comparison Search IntentUnderstanding roles related to credit reportsAssessing credit risk and financial analysis

The main difference is that a Credit Report Specialist focuses on managing and verifying credit reports, while a Credit Analyst evaluates credit data to determine creditworthiness. Both roles require knowledge of credit reporting, but Credit Analysts typically have more advanced financial analysis skills and educational requirements.

More about Credit Report Specialist jobs

What states have the most Credit Report Specialist jobs?

States with the most job openings for Credit Report Specialist jobs include:

What job categories do people searching Credit Report Specialist jobs look for?

The top searched job categories for Credit Report Specialist jobs are:

Credit Report Specialist jobs near you
Infographic showing various Credit Report Specialist job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 79% Full Time, 17% Part Time, 2% Contract, and 1% Nights. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $48,586 per year, or $23.4 per hour.

Associate Credit Reporting Specialist

State Employees' Credit Union

Raleigh, NC • On-site

Full-time

Re-posted 2 days ago

State Employees' Credit Union (North Carolina) rating

8.2

Company rating: 8.2 out of 10

Based on 23 frontline employees who took The Breakroom Quiz

Job description

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team!
Position Overview:
To work directly with seasoned Credit Reporting Specialists, utilizing knowledge of the Fair Credit Reporting Act (FCRA) and related regulations, along with knowledge of Metro 2® furnishing rules, to ensure the accuracy and integrity of SECU credit reporting data for SECU members, by researching and responding to credit reporting disputes. To provide exceptional member service through the quality of the work completed for the membership.
Essential Responsibilities:
  • (70%) Works under general supervision and follows established policies, procedures and requirements under the FCRA and Metro 2® furnishing requirements to investigate and respond to direct and indirect consumer credit disputes. Validates credit reporting data for SECU and process corrections when necessary, ensuring a positive member experience.
  • (15%) Communicates with members and member-facing staff on status of credit dispute matters, including researching reporting concerns and acting on resolution.
  • (10%) Develop credit reporting knowledge -- Complete training on credit reporting basics, federal CDIA guidance, Metro2® reporting standards, and SECU policies and procedures related to furnishing and disputing credit data.
  • (5%) Complete required learning modules and continuing education requirements.

Required Education & Experience (Knowledge, Skills, & Abilities):
  • Minimum education: HS Diploma or GED
  • Minimum direct experience: 0-2 years of credit reporting experience
  • Demonstrated ability to complete tasks within stringent time requirements
  • Must be able to use available resources to locate and acquire information regarding regulations and SECU policies and guidelines
  • Must be willing to engage in ongoing training and professional development
  • Ability to comprehend and carry out verbal and written instructions
  • High attention to detail
  • Excellent verbal and written communication skills
  • Ability to cooperate and collaborate with co-workers and others
  • Experience using Microsoft Office products
  • Proficiency in data entry

Preferred Education & Experience (Knowledge, Skills, & Abilities):
  • Prefer a four-year degree
  • Prefer one year of direct credit reporting experience
  • A general knowledge of loan originations and loan servicing systems
  • A general knowledge of lending compliance and relevant regulations, including FCRA, FACTA, GLB, BSA, ECOA, and UDAAP, as related to ensuring fair and accurate credit reporting
  • Experience using e-Oscar or credit dispute management software
  • Experience using Data Studio or equivalent data furnishing validation software
  • Experience operating in a highly regulated role

Job Environment & Physical Requirements:
  • Hybrid work environment allowing remote work and requiring work from our Raleigh office at least 3 days per month
  • Must be able to sit for prolonged periods of time
  • Must be able to use a telephone for prolonged periods of time
  • Must be able to use a computer for prolonged periods of time

SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.
Disclaimer
State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.

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