Credit Repair Specialist

Credit Education Consultants, Inc. is a client-focused financial wellness company dedicated to helping individuals and families understand, repair, and rebuild their credit profiles. Through personalized coaching, compliance-driven credit repair services, and ongoing education, we empower clients to achieve greater financial freedom and long-term economic stability.

POSITION TITLE: Credit Repair Specialist

COMPANY: Credit Education Consultants, Inc.

DIVISION: Operations

DEPARTMENT:

UNIT: N/A

BENEFITS PACKAGE: Professional development support; performance-based bonuses; flexible scheduling options

WORK SCHEDULE: Monday – Friday, 9:00 AM – 5:00 PM (Some evening or weekend flexibility may be needed)

ACCOUNTABLE TO: CEO

ACCOUNTABLE FOR: Direct credit repair support, client case management, dispute handling, education delivery, and CRM documentation

CLASSIFICATION: WEBEN

COMPENSATION RANGE: PHP 283.63 per hour, or performance-based commission structure (as applicable)

ANTICIPATED TRAVEL: Minimal; may include occasional community events or presentations

The Credit Repair Specialist provides expert support to clients working to repair and rebuild their credit profiles. This role includes reviewing credit reports, identifying discrepancies, preparing disputes, offering financial literacy guidance, and maintaining accurate client records. The specialist serves as both an advisor and advocate, ensuring that clients understand their credit journey and receive ethical, compliant, and results-driven service.

Scheduled duties and responsibilities:

• Review client credit reports from all three major bureaus (Experian, TransUnion, Equifax)
• Identify inaccurate, outdated, unverifiable, or fraudulent information for dispute
• Prepare and submit credit disputes via appropriate channels (mail, online, fax)
• Track dispute cycles, responses, deletions, and follow-up requirements
• Communicate regularly with clients to update them on progress and offer actionable advice
• Deliver financial education related to budgeting, credit utilization, debt management, and savings
• Maintain accurate notes, documentation, and client progress in CRM software
• Ensure compliance with federal regulations (FCRA, FDCPA, CROA) and internal policies
• Maintain confidentiality of all client financial data and sensitive documentation
• Collaborate with internal team members to resolve escalated or complex cases

Unscheduled duties and responsibilities:

• Support community workshops, webinars, or financial education events
• Respond to client inquiries and questions promptly, even outside scheduled check-ins
• Assist with onboarding new clients or conducting initial credit report reviews
• Stay informed about changes in credit reporting laws and industry best practices
• Recommend process improvements or tools to enhance client outcomes and efficiency

• High school diploma or equivalent required; associate or bachelor’s degree preferred
• Certification in credit counseling, financial education, or FICO knowledge is a plus
• Minimum 2 years of experience in credit repair, financial services, or client support roles
• Knowledge of FCRA, FDCPA, and consumer rights in credit reporting
• Bilingual (Spanish/English) a plus but not required

• Prolonged periods sitting at a desk and working on a computer
• Occasional lifting of up to 10 pounds (e.g., laptops, files, materials for presentations)

• Remote, hybrid, or office-based based on assignment
• Quiet, confidential, and client-sensitive environment
• Requires access to secure digital platforms and reliable internet