Credit Representative Career

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 job as a Credit Representative falls under the broader career category of Credit Checkers. The information on this page will generally apply to all careers in this category. We are still seeking more specific information about this career from experts in this field. If you can provide us with more information, .

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Credit Representative Career

What Credit Representatives do:

  • Compile and analyze credit information gathered by investigation.
  • Prepare reports of findings and recommendations, using typewriters or computers.
  • Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.
  • Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
  • Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
  • Contact former employers and other acquaintances to verify applicants' references, employment, health history, and social behavior.
  • Relay credit report information to subscribers by mail or by telephone.

What work activities are most important?

Importance Activities

Getting Information - Observing, receiving, and otherwise obtaining information from all relevant sources.

Communicating with Persons Outside Organization - Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.

Communicating with Supervisors, Peers, or Subordinates - Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.

Interacting With Computers - Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.

Updating and Using Relevant Knowledge - Keeping up-to-date technically and applying new knowledge to your job.

Documenting/Recording Information - Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.

Processing Information - Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.

Resolving Conflicts and Negotiating with Others - Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.

Establishing and Maintaining Interpersonal Relationships - Developing constructive and cooperative working relationships with others, and maintaining them over time.

Making Decisions and Solving Problems - Analyzing information and evaluating results to choose the best solution and solve problems.

Performing for or Working Directly with the Public - Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests.

Selling or Influencing Others - Convincing others to buy merchandise/goods or to otherwise change their minds or actions.

Organizing, Planning, and Prioritizing Work - Developing specific goals and plans to prioritize, organize, and accomplish your work.

Training and Teaching Others - Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others.

Judging the Qualities of Things, Services, or People - Assessing the value, importance, or quality of things or people.

Developing Objectives and Strategies - Establishing long-range objectives and specifying the strategies and actions to achieve them.

Analyzing Data or Information - Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.

Developing and Building Teams - Encouraging and building mutual trust, respect, and cooperation among team members.

Interpreting the Meaning of Information for Others - Translating or explaining what information means and how it can be used.

Performing Administrative Activities - Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.

Monitor Processes, Materials, or Surroundings - Monitoring and reviewing information from materials, events, or the environment, to detect or assess problems.

Guiding, Directing, and Motivating Subordinates - Providing guidance and direction to subordinates, including setting performance standards and monitoring performance.

Performing General Physical Activities - Performing physical activities that require considerable use of your arms and legs and moving your whole body, such as climbing, lifting, balancing, walking, stooping, and handling of materials.

Evaluating Information to Determine Compliance with Standards - Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.

Holland Code Chart for a Credit Representative