Bus 310 Human Resource Management - Creating Your Dream Job

Creating Your Dream Job

BUS 310 Human Resource Management

Kalisia Jordan

Professor Fortune Nichols

Strayer University

September 6, 2015

Job Description and Specifications

Establish Credit Worthiness

The ultimate goal of the credit specialist is to help clients increase their credit scores and regain a “credit worthy” status. This includes clients who have tarnished credit as a result of being victims of identity theft. It also includes clients who have tarnished credit as a result of careless spending and irresponsibility. One way the specialist helps to re-establish credit worthiness is by helping clients adopt more responsible credit habits.

Establish Concrete Payment History

Identify as well as recommend ways for clients to generate new lines of credit.  This process may consist of the client opening one or two at the most revolving credit card accounts that will assist him or her in building a concrete credit and payment record.  

Eradicate Obsolete Credit Information

It is imperative that a credit repair specialist is familiar with the innumerable statute of limitations pertaining to consumer debt for each state.  Utilizing his or her knowledge, the credit specialist can review his or her client’s credit report and identify items that are obsolete or surpasses the statute of limitations for a particular state.  Next, the credit repair specialist will contact the three major credit bureaus in order to have outdated debt(s) removed from the client’s credit report.  

Dispute Credit Entries

In the event that a client disagrees with a specific debt that is on his or her credit report, the credit repair specialist will submit a written legal challenge to the credit bureau to file a dispute pertaining to this particular entry.  A credit bureau is allotted 30 days after receiving a written challenge to prove that a debt is valid.  However, if the debt is invalid, the credit repair specialist will request the debt be removed from his or her client’s credit report.

Debt Settlement

If a credit bureau refuses to remove a credit entry, the credit repair specialist may contact the creditor to discuss settling the debt on his or her client’s behalf.  This may consist of the credit repair specialist organizing a payment plan that is within the client’s budget and request that the creditor reports his or her client’s payments to the credit bureau in order to increase the credit score of his or her client.

Compensation and Benefits Package

Salary Base Pay

Each employee will earn a base salary of $82,347.20 which will consist of a salary range that is associated with his or hers job classification.  Employees may receive an increase in pay by one or more of the following: