Credit Dispute Specialist

Obra Capital, Inc. • Carrollton, TX

7d

About The Position

The Credit Dispute Specialist is responsible for investigating, validating, and resolving consumer credit bureau disputes submitted through the e‑OSCAR platform or received directly from consumers. This role ensures compliance with the Fair Credit Reporting Act (FCRA), Metro 2 reporting requirements, and Arra Finance’s internal policies. The specialist analyzes account data across multiple systems, corrects or updates tradeline information where necessary, prepares written responses, maintains required dispute evidence, and supports remediation or compliance initiatives. Success in this role requires strong analytical skills, impeccable attention to detail, and the ability to apply regulatory requirements consistently while meeting strict resolution timelines.

Requirements

• High school diploma or GED required.
• 2 years of experience handling direct or indirect credit bureau disputes.
• Experience using the e‑OSCAR dispute platform is required.
• Strong knowledge of Regulation V, FCRA data furnisher obligations.
• A solid understanding of Metro 2 standards.
• Ability to follow standard procedures and identify exceptions requiring escalation.
• Proficiency with Microsoft Office and accurate data‑entry skills.
• Strong communication skills and the ability to prepare clear written responses.
• Ability to work independently, prioritize effectively, and meet deadlines.
• Adaptability in a fast‑paced and evolving operational environment.

Nice To Haves

• 3+ years preferred experience handling direct or indirect credit bureau disputes.
• CDIA certification is preferred but not required.
• Experience using Shaw Systems Loan Management Software and SHAW Spectrum is a plus.

Responsibilities

• Investigate, validate, and resolve consumer credit bureau disputes submitted through the e‑OSCAR platform or received directly from consumers.
• Ensure compliance with the Fair Credit Reporting Act (FCRA), Metro 2 reporting requirements, and Arra Finance’s internal policies.
• Analyze account data across multiple systems.
• Correct or update tradeline information where necessary.
• Prepare written responses.
• Maintain required dispute evidence.
• Support remediation or compliance initiatives.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED