How To Become A Credit Adjuster: What It Is and Career Path

What is a credit adjuster and how to become one

Updated January 8, 2025

2 min read

There is more than meets the eye when it comes to being a credit adjuster. For example, did you know that they make an average of $19.56 an hour? That's $40,686 a year! Between 2018 and 2028, the career is expected to grow -8% and produce -17,500 job opportunities across the U.S.

ScoreCredit AdjusterUS Average

Salary

3.2

Avg. Salary $40,686

Avg. Salary $59,228

Stability level

7.9

Growth rate -8%

Growth rate 0.3%

Diversity

5.8

Race

American Indian and Alaska Native 0.48%

Asian 3.57%

Black or African American 11.14%

Hispanic or Latino 18.78%

Unknown 4.02%

White 62.02%

Gender

female 66.18%

male 33.82%

Age - 46

Race

American Indian and Alaska Native 3.00%

Asian 7.00%

Black or African American 14.00%

Hispanic or Latino 19.00%

White 57.00%

Gender

female 47.00%

male 53.00%

Age - 46

Stress level

7.9

Stress level is high

7.1 - high

Complexity level

4.9

Complexity level is intermediate

7 - challenging

Work life balance

7.6

Work life balance is good

6.4 - fair

Key steps to become a credit adjuster

Explore credit adjuster education requirements

Most common credit adjuster degrees

Bachelor's

44.6 %

Associate

24.1 %

High School Diploma

15.7 %

Start to develop specific credit adjuster skills

Skills	Percentages
Credit Card	16.14%
Auto Loans	14.83%
Delinquent Accounts	14.73%
Outbound Calls	10.81%
Customer Accounts	10.30%

Complete relevant credit adjuster training and internships

Accountants spend an average of 1-3 months on post-employment, on-the-job training. New credit adjusters learn the skills and techniques required for their job and employer during this time. The chart below shows how long it takes to gain competency as a credit adjuster based on U.S. Bureau of Labor Statistics data and data from real credit adjuster resumes.

Research credit adjuster duties and responsibilities

Plan and conduct sensitive HUMINT collection operations with an emphasis on managing and debriefing confidential sources.
Perform collections activities on delinquent loan accounts to include repossessions, foreclosures, bankruptcy proceedings, and disposition of repossess assets.
Prepare SBA require purchase/demand packets and wrap-up reports ensuring awareness of government compliance processes and expectations.

Prepare your credit adjuster resume

When your background is strong enough, you can start writing your credit adjuster resume.

You can use Zippia's AI resume builder to make the resume writing process easier while also making sure that you include key information that hiring managers expect to see on a credit adjuster resume. You'll find resume tips and examples of skills, responsibilities, and summaries, all provided by Zippi, your career sidekick.

Choose from 10+ customizable credit adjuster resume templates

Build a professional credit adjuster resume in minutes. Browse through our resume examples to identify the best way to word your resume. Then choose from 10+ resume templates to create your credit adjuster resume.