Credit Dispute Specialist

Obra-Capital,-Inc.; Carrollton (TX); On-site; USD 42,000 - 60,000; Full time

Job summary

Obra-Capital, Inc. is seeking a Credit Dispute Specialist to investigate and resolve consumer credit bureau disputes. You will ensure compliance with FCRA and Metro 2, analyze data across systems, and prepare responses with accurate dispute evidence.

The role requires strong analytical skills, attention to detail, and the ability to meet strict resolution timelines while following internal policies.

Qualifications

• Requires high school diploma or GED.
• 2 years of experience handling credit bureau disputes; 3+ years preferred.
• Experience using the e-OSCAR dispute platform.
• Strong knowledge of Regulation V, FCRA data furnisher obligations, and Metro 2 standards.

Responsibilities

• Investigate, validate, and resolve consumer credit bureau disputes.
• Ensure compliance with FCRA, Metro 2, and company policies.
• Prepare written responses and maintain dispute evidence.
• Support remediation or compliance initiatives.

Skills

Analytical skills

Attention to detail

Data-entry

Communication skills

Independent work

Prioritization

Deadline orientation

Adaptability

Education

High school diploma or GED

Tools

e-OSCAR

Shaw Systems Loan Management Software

SHAW Spectrum

Microsoft Office

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Credit Dispute Specialist

24 days ago Requisition ID: 1107

Position Overview:

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.

Qualifications:

• High school diploma or GED required.
• 2 years of experience handling direct or indirect credit bureau disputes; 3+ years preferred.
• Experience using the e‑OSCAR dispute platform is required.
• Strong knowledge of Regulation V, FCRA data furnisher obligations, and
• A solid understanding of Metro 2 standards.
• CDIA certification is preferred but not required.
• Experience using Shaw Systems Loan Management Software and SHAW Spectrum is a plus.
• 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.