The Credit Services Specialist is responsible for supporting clients throughout the credit repair and enrollment process. This role combines credit report analysis, client education, sales-oriented onboarding, payment follow-up, and client retention, while ensuring full compliance with legal and company standards.
Key Responsibilities:
Credit Report Analysis & Enrollment
- Review full credit reports from Experian, Equifax, and TransUnion
- Identify inaccurate, outdated, duplicate, or unverifiable accounts
- Analyze negative items such as late payments, charge-offs, collections, repossessions, and inquiries
- Utilize strong sales and communication skills to onboard new clients successfully
- Accurately and securely gather client personal and financial information
Client Support & Education
- Clearly explain credit report findings and recommended improvement strategies
- Demonstrate strong knowledge of credit scoring models (FICO and VantageScore)
- Educate clients on credit utilization, payment history, and rebuilding strategies
- Provide timely updates on dispute progress
- Set realistic expectations regarding timelines and outcomes
Compliance & Documentation
- Ensure all activities comply with the Fair Credit Reporting Act (FCRA)
- Maintain accurate and detailed records of disputes, payments, and client interactions
- Adhere to company policies, procedures, and legal guidelines at all times
Client Retention
- Proactively reach out to clients requesting cancellation or showing disengagement
- Identify root causes of dissatisfaction or non-payment
- Offer appropriate solutions such as payment arrangements, program adjustments, or additional education
- Reinforce service value while maintaining transparency and realistic expectations
Payment Collection & Account Maintenance
- Contact clients via phone, email, or text regarding missed or upcoming payments
- Process payments and update account records accurately
- Maintain detailed and compliant payment documentation
- Ensure all communication avoids harassment, pressure, or misleading claims
Technical Requirements:
- Processor: Intel Core i5 / Ryzen 5 or higher
- RAM: 16GB or higher
- Operating System: Windows 11 Pro
- Setup: Dual monitor
- Accessories: Noise-canceling headset and webcam