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Credit Checker

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High school (GED) +

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What They Do

Credit Authorizers, Checkers, and Clerks Career Video

About This Career

Authorizes credit charges against customers' accounts. Investigates history and credit standing of individuals or business establishments applying for credit. May interview applicants to obtain personal and financial data, determine credit worthiness, process applications, and notify customers of acceptance or rejection of credit.

This career is part of the Finance cluster Banking Services pathway.

A person in this career:

  • Keeps records of customers' charges and payments.
  • Compiles and analyzes credit information gathered by investigation.
  • Obtains information about potential creditors from banks, credit bureaus, and other credit services, and provides reciprocal information if requested.
  • Interviews credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
  • Evaluates customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.
  • Files sales slips in customers' ledgers for billing purposes.
  • Receives charge slips or credit applications by mail, or receives information from salespeople or merchants by telephone.
  • Mails charge statements to customers.
  • Examines city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.
  • Relays credit report information to subscribers by mail or by telephone.

Working Conditions and Physical Demands

People who do this job report that:

  • You would sit most of the time. There's some walking and standing. You may have to lift and carry things like books, papers or tools weighing 10 lbs. or less.
  • Work in this occupation requires being inside most of the time
  • Work in this occupation involves making repetitive motions more than one-third of the time
  • Work in this occupation involves sitting more than one-third of the time

Working in this career involves (physical activities):

  • Seeing clearly up close
  • Speaking clearly enough to be able to be understood by others
  • Identifying and understanding the speech of another person

Work Hours and Travel

  • Regular working hours and limited travel

Specialty and Similar Careers

Careers that are more detailed or close to this career:

  • Commercial Credit Reviewer
  • Commercial Loan Reviewer
  • Credit Investigator
  • Credit Processor
  • Credit Representative


  • Email Support

  • 1-800-GO-TO-XAP (1-800-468-6927)
    From outside the U.S., please call +1 (424) 750-3900


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OCAP believes that financial literacy and understanding the financial aid process are critical aspects of college planning and student success. OCAP staff who work with students, parents, educators and community partners in the areas of personal finance education, state and federal financial aid, and student loan management do not provide financial, investment, legal, and/or tax advice. This website and all information provided is for general educational purposes only, and is not intended to be construed as financial, investment, legal, and/or tax advice.