Credit adjuster vs credit representative

The differences between credit adjusters and credit representatives can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 6-12 months to become a credit adjuster, becoming a credit representative takes usually requires 1-2 years. Additionally, a credit adjuster has an average salary of $40,686, which is higher than the $39,268 average annual salary of a credit representative.

The top three skills for a credit adjuster include credit card, auto loans and delinquent accounts. The most important skills for a credit representative are customer service, customer accounts, and patients.

Credit adjuster vs credit representative overview

	Credit Adjuster	Credit Representative
Yearly salary	$40,686	$39,268
Hourly rate	$19.56	$18.88
Growth rate	-8%	-8%
Number of jobs	13,826	73,520
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 45%	Bachelor's Degree, 47%
Average age	46	39
Years of experience	12	2

Credit adjuster vs credit representative salary

Credit adjusters and credit representatives have different pay scales, as shown below.

	Credit Adjuster	Credit Representative
Average salary	$40,686	$39,268
Salary range	Between $28,000 And $57,000	Between $28,000 And $54,000
Highest paying City	-	White Plains, NY
Highest paying state	-	New York
Best paying company	-	Systemax
Best paying industry	-	Construction

Differences between credit adjuster and credit representative education

There are a few differences between a credit adjuster and a credit representative in terms of educational background:

	Credit Adjuster	Credit Representative
Most common degree	Bachelor's Degree, 45%	Bachelor's Degree, 47%
Most common major	Business	Business
Most common college	-	University of Pennsylvania

Credit adjuster vs credit representative demographics

Here are the differences between credit adjusters' and credit representatives' demographics:

	Credit Adjuster	Credit Representative
Average age	46	39
Gender ratio	Male, 33.8% Female, 66.2%	Male, 29.5% Female, 70.5%
Race ratio	Black or African American, 11.1% Unknown, 4.0% Hispanic or Latino, 18.8% Asian, 3.6% White, 62.0% American Indian and Alaska Native, 0.5%	Black or African American, 8.3% Unknown, 2.7% Hispanic or Latino, 10.0% Asian, 7.8% White, 71.0% American Indian and Alaska Native, 0.3%
LGBT Percentage	8%	11%

Differences between credit adjuster and credit representative duties and responsibilities

Credit adjuster example 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.

Credit representative example responsibilities.

Manage portfolio utilizing AS400 and GetPaid systems.
Manage all credit files and process credit reports from various credit reporting sources including TRW and Dunn & Bradstreet.
Manage customer relations with internal personnel, group administrators, brokers and members as related to Medicare insurance.
Apply customer credit card and ACH payments.
Perform the posting of checks refunds and credit cards into the AS400 database.
Collect invoices through wire payment, ACH payments, and overnight mail options.

Credit adjuster vs credit representative skills

Common credit adjuster skills

Credit Card, 16%
Auto Loans, 15%
Delinquent Accounts, 15%
Outbound Calls, 11%
Customer Accounts, 10%
Mortgage Loans, 10%

Common credit representative skills

Customer Service, 22%
Customer Accounts, 6%
Patients, 5%
Credit Card Payments, 4%
Credit Balances, 4%
Payment Arrangements, 4%

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Office and Administrative Industry
Credit Adjuster
Credit Adjuster vs Credit Representative

Updated January 8, 2025

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