Credit Dispute Specialist

First Investors Financial Services - Atlanta, GA

Full-time

Atlanta, GA

Credit Intermediation and Related Activities

About the position

The Credit Dispute Specialist is responsible for managing credit dispute functions, ensuring efficient use of resources to investigate account information and provide accurate credit report data to major credit bureaus. This role involves compliance auditing and facilitating data corrections, while maintaining adherence to the Fair Credit Reporting Act (FCRA).

Responsibilities

• Adheres to company policies and procedures for credit dispute resolution, ensuring compliance and thorough investigations.
• Conducts detailed investigations of all direct and indirect credit disputes, ensuring timely and accurate responses to borrowers and credit repair companies.
• Investigates claims of identity theft and reviews transactions to ensure the accuracy of information furnished to consumer reporting agencies.
• Identifies systemic errors or trends within account data, reporting findings to management, and maintains certification in FCRA requirements.
• Ensures compliance with FCRA in researching and responding to credit disputes, maintaining service levels, and updating account statuses as necessary.
• Acts as a liaison between consumer reporting agencies, E-Oscar, and management, resolving credit bureau-related issues and assisting with customer inquiries.
• Ensures information is reported accurately and processed promptly for both direct and indirect disputes.
• Performs all other duties as assigned.

Requirements

• Minimum of 1 year of research and investigation experience required.
• High school diploma and/or GED.

Nice-to-haves

• Prior Credit Dispute or Compliance experience.
• Knowledge of FCRA.
• Minimum of 1 year of regulatory background.