What Does it Take to Be a Credit Checker?
Credit Checker Job Description Investigate history and credit standing of individuals or business establishments applying for credit. Telephone or write to credit departments of business and service establishments to obtain information about applicant’s credit standing.
A Day in the Life of a Credit Checker
- Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Relay credit report information to subscribers by mail or by telephone.
- Compile and analyze credit information gathered by investigation.
- Contact former employers and other acquaintances to verify applicants’ references, employment, health history, and social behavior.
- Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
- Prepare reports of findings and recommendations, using typewriters or computers.
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What Skills Do You Need to Work as a Credit Checker?
Credit Checkers state the following job skills are important in their day-to-day work.
Active Listening: Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Speaking: Talking to others to convey information effectively.
Critical Thinking: Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
Reading Comprehension: Understanding written sentences and paragraphs in work related documents.
Writing: Communicating effectively in writing as appropriate for the needs of the audience.
Judgment and Decision Making: Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Related Job Titles
- Credit Historian
- Accounts Receivable Manager
- Credit Representative
- Commercial Credit Lead
- Credit Reporter
Is There Job Demand for Credit Checkers?
There were about 38,500 jobs for Credit Checker in 2016 (in the United States). There is little to no growth in job opportunities for Credit Checker. Due to new job openings and attrition, there will be an average of 3,700 job openings in this field each year.
The states with the most job growth for Credit Checker are Utah, Florida, and Washington. Watch out if you plan on working in West Virginia, New Mexico, or Pennsylvania. These states have the worst job growth for this type of profession.
What is the Average Salary of a Credit Checker
The salary for Credit Checkers ranges between about $26,540 and $59,270 a year.
Credit Checkers who work in Minnesota, New York, or Massachusetts, make the highest salaries.
Below is a list of the median annual salaries for Credit Checkers in different U.S. states.
| State | Annual Mean Salary |
|---|---|
| Alabama | $36,390 |
| Arizona | $41,640 |
| Arkansas | $34,880 |
| California | $42,680 |
| Colorado | $45,780 |
| Connecticut | $42,330 |
| Delaware | $40,130 |
| Florida | $37,680 |
| Georgia | $34,550 |
| Hawaii | $44,690 |
| Idaho | $42,600 |
| Illinois | $45,010 |
| Indiana | $41,940 |
| Iowa | $32,740 |
| Kansas | $40,290 |
| Kentucky | $41,310 |
| Louisiana | $28,630 |
| Maine | $37,140 |
| Maryland | $39,830 |
| Massachusetts | $46,440 |
| Michigan | $44,020 |
| Minnesota | $48,300 |
| Mississippi | $30,440 |
| Missouri | $36,060 |
| Montana | $44,160 |
| Nebraska | $37,690 |
| Nevada | $33,930 |
| New Hampshire | $39,010 |
| New Jersey | $44,500 |
| New Mexico | $35,370 |
| New York | $48,420 |
| North Carolina | $42,160 |
| North Dakota | $38,330 |
| Ohio | $40,780 |
| Oklahoma | $38,370 |
| Oregon | $45,130 |
| Pennsylvania | $40,270 |
| Rhode Island | $46,340 |
| South Carolina | $40,340 |
| South Dakota | $34,530 |
| Tennessee | $39,220 |
| Texas | $42,480 |
| Utah | $37,490 |
| Virginia | $40,500 |
| Washington | $40,160 |
| West Virginia | $36,440 |
| Wisconsin | $43,240 |
Tools & Technologies Used by Credit Checkers
Below is a list of the types of tools and technologies that Credit Checkers may use on a daily basis:
- Microsoft Excel
- Microsoft Word
- Microsoft Office
- Microsoft PowerPoint
- Microsoft Outlook
- Web browser software
- Microsoft Access
- Data entry software
- Email software
- SAP
Becoming a Credit Checker
Education needed to be a Credit Checker:
What work experience do I need to become a Credit Checker?
Credit Checkers Sector
The table below shows some of the most common industries where those employed in this career field work.
Other Jobs You May be Interested In
Those who work as a Credit Checker sometimes switch careers to one of these choices:
References:
Image Credit: Dave Dugdale via Creative Commons Attribution-Share Alike 2.0 Generic
More about our data sources and methodologies.
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