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Credit Report Specialist Jobs (NOW HIRING)

OSP LP

CREDIT REPORTING SPECIALIST

Las Vegas, NV · On-site

Primary Position Objective The Credit Reporting Specialist supports AmeriNat's servicing operations by coordinating the accurate and timely submission of borrower loan information to the national ...

New

Robert Half

Credit Reporting Specialist

Las Vegas, NV · On-site

$60K - $75K/yr

Our client, a growing mortgage servicing firm, looking for a detail-oriented Credit Reporting Specialist to support accurate and compliant borrower account reporting for consumer credit bureaus. This ...

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, 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 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 ...

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 ...

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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Credit Report Specialist information

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How much do credit report specialist jobs pay per hour?

As of Aug 21, 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.

CREDIT REPORTING SPECIALIST

OSP LP

Las Vegas, NV • On-site

Full-time

Medical, Dental, Life, Retirement, PTO

Posted 2 days ago

New

Job description

About AmeriNat

AmeriNat is a nationally recognized provider of loan servicing, asset management, compliance monitoring, and related administrative services supporting affordable housing, economic development, and community investment programs. For nearly 50 years, AmeriNat has partnered with state and local governments, nonprofit organizations, financial institutions, and private investors to administer complex portfolios throughout the United States. Today, AmeriNat services approximately $13 billion in loans and supports more than 300 clients nationwide through a team of more than 100 professionals dedicated to delivering exceptional service, operational excellence, and innovative solutions. AmeriNat's client-centric culture, commitment to affordable housing and economic development, and reputation for exceptionally good servicing make it a unique and rewarding place to build a career.

Primary Position Objective

The Credit Reporting Specialist supports AmeriNat's servicing operations by coordinating the accurate and timely submission of borrower loan information to the national consumer credit reporting agencies. This role serves as the primary point of contact for researching and resolving borrower-initiated credit bureau disputes, partnering closely with the servicing teams to confirm account records are complete, current, and properly reflected. The position also assists the Audit and Compliance department in researching and preparing responses to regulator and other external inquiries related to credit reporting practices, contributing to accurate borrower reporting and AmeriNat's overall compliance posture.

Major Duties and Responsibilities
  • Coordinate with servicing teams to prepare and submit accurate, timely borrower account information to the national consumer credit reporting agencies in accordance with client, investor, and Metro 2 formatting requirements.
  • Review credit bureau reporting files prior to submission to identify and correct data exceptions, formatting errors, and discrepancies in borrower payment history and account status codes.
  • Serve as the primary point of contact for researching and resolving borrower-initiated credit bureau disputes, including Automated Consumer Dispute Verifications (ACDVs) submitted through e-OSCAR, communicating outcomes to borrowers and internal teams as needed.
  • Research borrower account histories, servicing records, and system data to support dispute resolution, and reconcile reporting discrepancies identified through internal quality control review or bureau feedback.
  • Assist the Audit and Compliance department in researching and preparing documentation in response to regulator inquiries, investor requests, and other credit reporting-related inquiries, following established procedures and escalation protocols.
  • Utilize servicing and credit reporting systems and tools to maintain accurate records, monitor reporting cycles, and support process improvements that increase efficiency and reporting accuracy.
  • Process and respond to disputes received directly from borrowers by mail, phone, or email, in addition to indirect disputes routed through e-OSCAR, working within established regulatory and procedural response timeframes.
  • Coordinate with default servicing, loss mitigation, bankruptcy, and collections teams to obtain accurate account status information, such as bankruptcy, forbearance, deceased borrower, charge-off, and paid-in-full statuses, supporting proper credit reporting.
  • Redact and retain supporting documentation associated with credit bureau disputes and reporting corrections in accordance with document retention procedures.
  • Prepare and review periodic quality control and exception reports, such as monthly sampling and error reports, to monitor credit reporting accuracy across investor portfolios.
  • Track dispute volumes, turnaround times, and resolution outcomes, and contribute accurate data to management reporting compiled by others.
  • Maintain current knowledge of credit reporting regulations, Metro 2 formatting standards, and credit bureau requirements through ongoing training.
  • Perform other duties and special projects as assigned.
Supervisory Requirements

None.

Additional Expectations
  • Deliver exceptional service that reflects AmeriNat's commitment to maintaining industry-leading borrower and client satisfaction.
  • Support AmeriNat's client-centric culture through responsiveness, accuracy, transparency, and professionalism.
  • Approach challenges with a solution-oriented mindset and escalate issues constructively when appropriate.
  • Provide a professional example through accuracy, consistency, accountability, and dependability.
  • Participate as an active team member by assisting coworkers and supporting department objectives.
  • Communicate effectively and professionally in verbal and written interactions.
  • Maintain the quality and integrity of services provided by the department.
  • Adapt effectively to changing priorities, technologies, business needs, and operational requirements.
  • Share constructive feedback and ideas that support continuous improvement.
  • Support the overall goals and strategic objectives of the Company.
Independent Judgment
  • Exercise sound judgment when researching credit reporting discrepancies and borrower disputes, identifying likely causes, and determining appropriate next steps within established procedures.
  • Escalate matters involving unusual circumstances, procedural uncertainty, client-specific issues, or potential risk exposures to management.
Requirements & Qualifications
  • High school diploma or equivalent required; Associate's or Bachelor's degree in business, finance, or a related field preferred.
  • Minimum of two years of experience in loan servicing, credit reporting, collections, or a related financial services role.
  • Prior experience with consumer credit reporting, Metro 2 formatting, e-OSCAR, and credit bureau dispute resolution strongly preferred.
  • Ability to follow established procedures, documented workflows, and client-specific requirements.
  • Working familiarity with the Fair Credit Reporting Act (FCRA) and Regulation V preferred; ability to follow documented procedures for dispute handling and escalate matters requiring legal or compliance interpretation.
  • Strong customer service skills and ability to communicate effectively with borrowers, clients, vendors, and internal team members, as applicable to the role.
  • Strong attention to detail and commitment to accuracy.
  • Ability to organize, prioritize, and manage multiple responsibilities in a fast-paced environment.
  • Ability to interpret written instructions, procedures, reports, and servicing documentation.
  • Working knowledge of Microsoft Outlook, Word, and Excel.
  • Experience using loan servicing systems such as ICE MSP or Nortridge (NLS), or other financial services technology platforms, preferred.
  • Strong comfort level with technology and ability to learn new systems efficiently.
  • Bilingual English/Spanish considered a plus, when relevant to the role.
Physical Requirements
  • Talking - Frequently communicates detailed information and instructions.
  • Hearing - Able to hear and receive ordinary information and conversations.
  • Repetitive Motion - Frequent use of hands, wrists, and fingers while performing computer-based work.
  • Vision - Visual acuity sufficient to review documents, reports, and computer screens.
  • Physical Strength - Sedentary work performed primarily while seated; occasional lifting of up to 10 pounds.

This description has been designed to indicate the general nature and level of work performed by an employee in this position. The actual duties, responsibilities, and qualifications may vary in the future based on new or revised work assigned to this position.

AmeriNat offers a competitive benefits package including 401(k); performance incentives; paid medical, life and long-term disability insurance; dental coverage; PTO and holiday pay; and opportunities for professional growth and advancement. Dress code is business casual (jeans permitted), with occasional business attire required.

AmeriNat will consider qualified applicants in a manner consistent with local Fair Chance ordinances.

AmeriNat is an Equal Opportunity Employer.