upper level job

Credit and Collections Representative I Salary in the United States

How much does a Credit and Collections Representative I make in the United States?

As of March 01, 2026, the average salary for a Credit and Collections Representative I in the United States is $43,222 per year, which breaks down to an hourly rate of $21.

However, a Credit and Collections Representative I's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $52,411
  • Majority Range (25th-75th percentile): $38,819 to $48,032
  • Entry-Level (10th percentile): $34,810
Compensation Planning
Develop a Job Description
Pay Equity
2025 Compensation Trend
Smart Recruiting
Recruit with AI
Salary Salary + Bonus Benefits
Paid Annually Paid Monthly Paid Semimonthly Paid Biweekly Paid Weekly Paid Hourly
View as table View as graph 25% $38,819 10% $34,810 90% $52,411 75% $48,032 $43,222 50%(Median) Didn’t find job title? Click

Credit and Collections Representative I Salaries by Percentile

Annual
Salary		 Monthly
Pay		 Weekly
Pay		 Hourly
Wage
75th Percentile $48,032 $4,003 $924 $23
Average $43,222 $3,602 $831 $21
25th Percentile $38,819 $3,235 $747 $19
Check out Credit and Collections Representative I Job Openings in the United States
Learning Management Program Manager

Enterprise Community Partners - COLUMBIA, MD

Account Manager

Prolific Digital - LOUISVILLE, KY

Endodontist

The Smilist Dental - WILMINGTON, DE

Certified Occupational Therapy Assistant

Cottonwood Healthcare - KALISPELL, MT

Search More Credit and Collections Representative I Jobs in the United States
Choose Similar Job
Choose Category
Cost of Living
Hourly Wages
See it in Action

Key Factors That Influence Credit and Collections Representative I Salaries

A Credit and Collections Representative I's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location and company size can directly affect your earning potential.

How Experience Level Affects Credit and Collections Representative Salaries?

Experience is a primary driver of a Credit and Collections Representative I's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Credit and Collections Representative I (0-1 years): $43,222
  • Credit and Collections Representative II (1-3 years): $49,720
  • Credit and Collections Representative III (3-5 years): $57,122
  • Credit and Collections Supervisor (5+ years): $74,130
  • Credit and Collections Manager (5+ years): $110,486
Job Role Years of Experience Average Salary
Credit and Collections Representative I0-1 years$43,222
Credit and Collections Representative II1-3 years$49,720
Credit and Collections Representative III3-5 years$57,122
Credit and Collections Supervisor5+ years$74,130
Credit and Collections Manager5+ years$110,486
$43,222 Credit an...
$49,720 Credit an...
$57,122 Credit an...
$74,130 Credit an...
$110,486 Credit an...
View as Table
View as Graph

What Am I Worth?

How Do Credit and Collections Representative I Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Credit and Collections Representative Is. For example, consider the average annual salaries in these key locations:

  • District of Columbia: $47,855.
  • California: $47,674.
  • Massachusetts: $47,039.

Top Paying Cities for Credit and Collections Representative Is

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $54,516
  • San Francisco: $53,980
  • Oakland: $52,783

What Skills Can Increase a Credit and Collections Representative I's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 7.91% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
  • Microsoft Excel (Mentioned in 3.6% Job Postings): Microsoft Excel is a spreadsheet developed by Microsoft for Windows, macOS, Android and iOS. It features calculation or computation capabilities, graphing tools, pivot tables, and a macro programming language called Visual Basic for Applications.
  • Financial Statement Analysis (Mentioned in 1.44% Job Postings): Financial statement analysis evaluates a company's performance or value through a company's balance sheet, or statement of cash flows. It is used to analyze whether an entity is stable, solvent, liquid, or profitable enough to a monetary investment.
See More Skills
Skills Demand Percentage
Customer Service 7.91%
Microsoft Excel 3.6%
Financial Statement Analysis 1.44%
What skills can make your compensation higher?
Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on a Credit and Collections Representative I's salary.
  • Leadership Development: Can increase your salary by up to 29%.
  • Financial Analysis: Can increase your salary by up to 21%.
  • Financial Statements: Can increase your salary by up to 12%.
Skill Salary Salary % Increase
Leadership Development
 $55,756
29%
Financial Analysis
 $52,299
21%
Financial Statements
 $48,409
12%
Talent Acquisition
 $47,976
11%
Economics
 $47,976
11%
Dispute Management
 $47,976
11%
Get Latest Data

Credit and Collections Representative I Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Credit and Collections Representative I's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

  • Hourly
  • Monthly
  • Weekly
  • Yearly
  • Table View
Last Updated on March 01, 2026
$38,819
Average $43,222/year
$48,032
$3,235
Average $3,602/month
$4,003
$747
Average $831/week
$924
$19
Average $21/hour
$23
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $48,032 $4,003 $924 $23
Average $43,222 $3,602 $831 $21
25th Percentile $38,819 $3,235 $747 $19

Credit and Collections Representative I Salary Growth & Career Path

Credit and Collections Representative I
Credit and Collections Representative II
Electronic Payment Clerk
Credit and Collections Manager
Electronic Payment Supervisor

Promotions are the fastest way to increase your earnings. As a Credit and Collections Representative I, you have the following paths for advancement. The table below compares the salary raises for common next-step roles. By comparing these figures, you can choose the career path that best meets your financial goals.

Credit and Collections Representative I Salary Growth and Career Path
Next Step Role Estimate Salary Projected Raise
Credit and Collections Representative II $49,720 15%
Electronic Payment Clerk $51,899 20%

Salaries of jobs related to Credit and Collections Representative I

Most common benefits for Credit and Collections Representative I

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
For Employers

If your compensation planning software is too rigid to deploy winning incentive strategies, it’s time to find an adaptable solution.

Compensation Planning

Common company salaries for Credit and Collections Representative I

Here are companies hiring for Credit and Collections Representative I and their salaries, click below for more details.

Find Your Next Credit and Collections Representative I Job

Ready to take the next step in your career? Browse thousands of current Credit and Collections Representative I job openings on our job board. Use the search bar below to find your perfect match.

United States
For Employees

Get a Salary Increase

Analyze the market and your qualifications to negotiate your salary with confidence.

Search Job Openings

Search thousands of open positions to find your next opportunity.

For Employers

Adjust Employee Salary

Individualize employee pay based on unique job requirements and personal qualifications.

Price My Industry Jobs

Get the latest market price for benchmark jobs and jobs in your industry.

FAQ about Credit and Collections Representative I

1. Where can a Credit and Collections Representative I earn the most?

A Credit and Collections Representative I's earning potential can vary widely depending on several factors, including location, industry, experience, education, and the specific employer. According to the latest salary data by Salary.com, a Credit and Collections Representative I earns the most in San Jose, CA, where the annual salary of a Credit and Collections Representative I is $54,516.

2. What is the highest pay for Credit and Collections Representative I?

The highest pay for Credit and Collections Representative I is $52,411.

3. What is the lowest pay for Credit and Collections Representative I?

The lowest pay for Credit and Collections Representative I is $34,810.

4. What are the responsibilities of Credit and Collections Representative I?

Collects and maintains accurate credit information. Reviews and verifies overdue accounts. Contacts customers to confirm outstanding payments and renews credit information to help minimize outstanding debts. Requires a high school diploma. Typically reports to a manager. Works under the close direction of senior personnel in the functional area. Possesses a moderate understanding of general aspects of the job. May require 0-1 year of general work experience.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.

Are you an HR manager or compensation specialist?

Salary.com's CompAnalyst platform offers:

  • Detailed skills and competency reports for specific positions
  • Job and employee pricing reports
  • Compensation data tools, salary structures, surveys and benchmarks.
Learn about CompAnalyst