Correspondence & Disputes Specialist III- Credit Disputes

About the role

The Correspondence & Disputes Specialist III - Credit Corrections is responsible for managing all indirect credit bureau disputes submitted by homeowners. This includes processing Automated Credit Dispute Verifications (ACDVs) and Automated Universal Dataforms (AUDs), researching and resolving issues, and ensuring timely and accurate responses to the credit bureaus.

Responsibilities

• Investigate credit reporting disputes by analyzing records and executing plans of action for resolution.
• Daily and timely processing of Automated Credit Dispute Verifications (ACDVs) using the web-based Metro 2 compliant system.
• Review and submit Block Notification Rescission requests as needed.
• Submit updates to credit reporting agencies to remedy inaccuracies.
• Report on potential systemic/technical issues to the Manager.
• Ensure necessary actions are taken to resolve disputes and complaints.
• Communicate effectively and accurately with others.
• Perform related duties as assigned by management.

Qualifications and Education Requirements

• High School Diploma required; college degree preferred.
• 4+ years of Mortgage Servicing and Credit Reporting Experience.
• Working knowledge of the Credit Reporting Resource Guide Metro 2 format required.
• Experience with credit reporting and FCRA preferred.
• Experience with e-Oscar preferred.
• Mortgage and Consumer finance experience preferred.
• Mortgage Servicing systems experience preferred.

Skills, Abilities, and Knowledge

• Extremely detail-oriented, inquisitive, and passionate about problem-solving.
• Intermediate knowledge of MS Word, MS Excel.
• Excellent work ethic and deadline-driven.
• Effective follow-up skills and strong accountability.
• Ability to multi-task and adapt to changing work assignments.
• Math and analytical skills needed.

Work Environment and Physical Requirements

• Regular and punctual attendance adhering to schedule established by leadership.
• Flexibility to work occasional adjusted work schedules, overtime, and evening/weekend hours.
• Sedentary work in a stationary position for prolonged periods.
• Constant repetitive motions required for operating a computer, such as typing and managing phone calls.
• Constantly communicating effectively verbally in English.