Credit Bureau Disputes Specialist

. Research direct and indirect credit bureau disputes .

Posted 10/13/2026full-timeRemote • New Jersey • United StatesMid-LevelSenior💰 $23 - $31 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in researching and resolving credit bureau disputes while ensuring compliance with federal regulations such as the Fair Credit Reporting Act (FCRA). Proficient in utilizing tools like e-OSCAR and Microsoft Excel to analyze data and maintain accurate credit reporting.

Highest-signal resume keywords

Credit Bureau Dispute ResolutionFCRA KnowledgeAnalytical Problem SolvingMicrosoft Excel ProficiencyAttention to Detail

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Bureau Dispute ResearchData AnalysisAutomated Consumer Dispute Verification (ACDV)Microsoft Excel10-Key Pad ProficiencyFinancial Services ExperienceInvestigating Credit DiscrepanciesKnowledge of Dodd-Frank ActUnderstanding of Federal RegulationsAbility to Handle Sensitive Information

Soft Skills

Verbal CommunicationWritten CommunicationInterpersonal SkillsTeam CollaborationProblem Solving

Tools & Technologies

E-OSCARInternal SystemsThird-Party Data SourcesComputer Technology

Industry Keywords

Credit ReportingConsumer InformationCollectionsFinancial ServicesCompliance Standards

About the role

Key responsibilities & impact

Research direct and indirect credit bureau disputes
Respond to customers and credit reporting agencies to resolve discrepancies and ensure timely follow-up
Use third-party data sources, internal systems, and tools to research and analyze information for accurate credit reporting
Research and respond to disputes received by mail or email
Use e-OSCAR to respond to indirect disputes through Automated Consumer Dispute Verification (ACDV)
Research and act on feedback from credit bureaus, internal reporting, and third parties
Correct inaccurate account information provided to credit reporting agencies and document resolutions using internal systems and e-OSCAR
Maintain understanding of internal credit-related policies, procedures, federal regulations, and credit industry standards
Support organizational goals, service and quality targets, and positive change
Engage internal and external partners to obtain pertinent account information
Identify and address process improvements based on daily observations and activities
Respond to inquiries and assist in resolving problems and complaints
Escalate complex or unusual issues to lead or supervisory staff
Promote a positive team environment through professional and respectful behavior
Perform additional duties as assigned by management

Requirements

What you’ll need

Associate's Degree or equivalent work experience
3+ years in Financial Services
Superior analytical, problem solving, and decision-making skills
Excellent verbal, written, and interpersonal communication skills
Ability to work well in a team environment
Exceptional attention to detail and accuracy
Ability to use or learn current technology and software applications related to the position
Dedicated, self-directed, and reliable
Knowledge of state and federal laws and agencies applicable to collections, including the Fair Credit Reporting Act (FCRA) and the Dodd-Frank Act
Knowledge of Microsoft Excel and basic computer skills
40+ WPM and use of a 10-Key pad
Ability to work weekdays and weekend/overtime if required to ensure adherence to SLAs
Experience researching, investigating, and resolving credit bureau disputes related to retail credit card accounts (preferred)
FCRA knowledge (preferred)
Ability to handle sensitive consumer information, raw PII, and customer account information
Ability to work within a corporate environment and adhere to schedule and punctuality requirements
Ability to maintain confidentiality of company operations, portfolio, customer information, and computer technology

Benefits

Comp & perks

Health and well-being benefits
Savings and retirement programs
Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
Banking benefits and discounts
Career development opportunities
Regular career, development, and performance conversations
Online learning platform
Mentoring programs
Training and onboarding sessions
Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
Reward and recognition
Flexible work arrangement indicated by remote work designation