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Career and Education Opportunities for Credit Investigators in Grand Prairie, Texas

For those living in the Grand Prairie, Texas area, there are many career and education opportunities for credit investigators. Currently, 5,960 people work as credit investigators in Texas. This is expected to shrink by 4% to about 5,720 people by 2016. This is not quite as good as the nation as a whole, where employment opportunities for credit investigators are expected to grow by about 2.8%. Credit investigators generally investigate history and credit standing of individuals or business establishments applying for credit.

Credit investigators earn about $14 hourly or $30,110 annually on average in Texas and about $14 per hour or $30,390 yearly on average nationally. Credit investigators earn more than people working in the category of Credit Authorization generally in Texas and more than people in the Credit Authorization category nationally.

The Grand Prairie area is home to seventy-four schools of higher education, including two within twenty-five miles of Grand Prairie where you can get a degree as a credit investigator. The most common level of education for credit investigators is a high school diploma or GED. You can expect to spend only a short time training to become a credit investigator if you already have a high school diploma.

CAREER DESCRIPTION: Credit Investigator

In general, credit investigators investigate history and credit standing of individuals or business establishments applying for credit. They also telephone or write to credit departments of business and service establishments to obtain information about applicant's credit standing.

Every day, credit investigators are expected to be able to articulate ideas and problems. It is also important that they listen to and understand others in meetings.

It is important for credit investigators to ready reports of findings and recommendations, using typewriters or computers. They are often called upon to obtain data related to potential creditors from banks and other credit services, and furnish reciprocal data if requested. They also interview credit applicants by telephone or in person so as to obtain personal and financial data needed to finish credit report. Somewhat less frequently, credit investigators are also expected to examine city directories and public archives in order to confirm residence property ownership or unpaid taxes of applicants.

Credit investigators sometimes are asked to contact former employers and other acquaintances to confirm applicants' references and social behavior. They also have to be able to relay credit report data to subscribers by mail or by telephone And finally, they sometimes have to relay credit report data to subscribers by mail or by telephone.

Like many other jobs, credit investigators must have strong self control in the face of challenging situations and be thorough and dependable.

Similar jobs with educational opportunities in Grand Prairie include:

  • Accounts Receivable Specialist. Locate and notify customers of delinquent accounts by mail, telephone, or personal visit to solicit payment. Duties include receiving payment and posting amount to customer's account; preparing statements to credit department if customer fails to respond; initiating repossession proceedings or service disconnection; keeping records of collection and status of accounts.
  • Correspondence Clerk. Compose letters in reply to requests for merchandise, damage claims, credit and other information, delinquent accounts, or unsatisfactory services. Duties may include gathering data to formulate reply and typing correspondence.
  • Customer Care Specialist. Interact with customers to provide information in response to inquiries about products and services and to handle and resolve complaints.
  • Insurance Claims Processor. Obtain information from insured or designated persons for purpose of settling claim with insurance carrier.
  • Insurance Processing Clerk. Process applications for, changes to, and cancellation of insurance policies. Duties include reviewing insurance applications to ensure that all questions have been answered, compiling data on insurance policy changes, changing policy records to conform to insured party's specifications, compiling data on lapsed insurance policies to determine automatic reinstatement according to company policies, canceling insurance policies as requested by agents, and verifying the accuracy of insurance company records.
  • Interviewer. Interview persons by telephone, mail, or by other means for the purpose of completing forms, applications, or questionnaires. Ask specific questions, record answers, and assist persons with completing form. May sort, classify, and file forms.
  • Municipal Clerk. Draft agendas and bylaws for town or city council; record minutes of council meetings; answer official correspondence; keep fiscal records and accounts; and prepare reports on civic needs.
  • Procurement Clerk. Compile information and records to draw up purchase orders for procurement of materials and services.

EDUCATIONAL OPPORTUNITIES: Credit Investigator Training

Northwood University - Cedar Hill, TX

Northwood University, 1114 W FM 1382, Cedar Hill, TX 75104-1204. Northwood University is a small university located in Cedar Hill, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 864 students and an admission rate of 55%. Northwood University has an associate's degree and a bachelor's degree program in Banking and Financial Support Services which graduated five and six students respectively in 2008.

North Lake College - Irving, TX

North Lake College, 5001 N MacArthur Blvd, Irving, TX 75038-3899. North Lake College is a large college located in Irving, Texas. It is a public school with primarily 2-year programs and has 10,174 students. North Lake College has a one to two year and an associate's degree program in Banking and Financial Support Services which graduated two and five students respectively in 2008.

LOCATION INFORMATION: Grand Prairie, Texas

Grand Prairie, Texas
Grand Prairie, Texas photo by Lothar1976

Grand Prairie is situated in Dallas County, Texas. It has a population of over 160,641, which has grown by 26.1% over the last ten years. The cost of living index in Grand Prairie, 90, is well below the national average. New single-family homes in Grand Prairie are priced at $174,200 on average, which is near the state average. In 2008, five hundred forty-four new homes were built in Grand Prairie, down from 1,058 the previous year.

The top three industries for women in Grand Prairie are educational services, health care, and finance and insurance. For men, it is construction, transportation equipment, and professional, scientific, and technical services. The average commute to work is about 27 minutes. More than 19.3% of Grand Prairie residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 5.0%, is lower than the state average.

The unemployment rate in Grand Prairie is 8.7%, which is greater than Texas's average of 8.1%.

The percentage of Grand Prairie residents that are affiliated with a religious congregation, 55.1%, is more than the national average but less than the state average. Abundant Life Assembly of God Church, Celestial Church of Christ and Saint Andrew Church are some of the churches located in Grand Prairie. The largest religious groups are the Catholic Church, the Southern Baptist Convention and the United Methodist Church.

Grand Prairie is home to Kennedy Middle School Football Stadium and Hendrix Park. Visitors to Grand Prairie can choose from Blue Sky Hospitality, Amerisuites and Comfort Inn for temporary stays in the area.