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 July 01, 2026, the average salary for a Credit and Collections Representative I in the United States is $43,238 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): $52,427
Majority Range (25th-75th percentile): $38,832 to $48,048
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): $43,238
Credit and Collections Representative II (1-3 years): $49,740
Credit and Collections Representative III (3-5 years): $57,147
Credit and Collections Supervisor (5+ years): $74,171
Credit and Collections Manager (5+ years): $110,486
Job Role
Years of Experience
Average Salary
Credit and Collections Representative I
0-1 years
$43,238
Credit and Collections Representative II
1-3 years
$49,740
Credit and Collections Representative III
3-5 years
$57,147
Credit and Collections Supervisor
5+ years
$74,171
Credit and Collections Manager
5+ years
$110,486
$43,238Credit an...
$49,740Credit an...
$57,147Credit an...
$74,171Credit an...
$110,486Credit 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: $47,873.
California: $47,692.
Massachusetts: $47,056.
District of Columbia$47,873
California$47,692
Massachusetts$47,056
Washington$46,883
New Jersey$46,866
Alaska$46,805
Connecticut$46,208
New York$45,966
Hawaii$45,192
Rhode Island$44,829
Maryland$44,583
Minnesota$44,245
Colorado$44,116
Illinois$44,072
Oregon$43,908
Delaware$43,787
New Hampshire$43,711
Virginia$43,541
Pennsylvania$43,043
Nevada$42,793
North Dakota$42,710
Michigan$42,581
Wisconsin$42,533
Vermont$42,438
Texas$42,174
Maine$42,157
Arizona$42,131
Ohio$42,101
Georgia$41,703
Indiana$41,504
Wyoming$41,465
Utah$41,405
Iowa$41,379
Kansas$41,171
Louisiana$41,111
North Carolina$41,089
Missouri$41,080
Florida$40,912
Montana$40,821
Nebraska$40,735
Kentucky$40,687
South Carolina$40,514
Tennessee$40,406
Idaho$40,363
New Mexico$40,047
Oklahoma$39,978
Alabama$39,723
South Dakota$39,295
Arkansas$39,061
West Virginia$38,936
Mississippi$38,560
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: $54,536
San Francisco: $53,939
Oakland: $52,802
San Jose, CA$54,536
San Francisco, CA$53,939
Oakland, CA$52,802
New York, NY$49,784
Paramus, NJ$49,178
Queens Village, NY$49,176
Passaic, NJ$49,135
Bergenfield, NJ$49,131
Stamford, CT$49,036
Huntington, NY$49,018
Newark, NJ$48,699
Bridgeport, CT$48,608
Vallejo, CA$48,522
New Brunswick, NJ$48,504
Petaluma, CA$48,478
Middlesex, NJ$48,396
Somerset, NJ$48,366
Santa Cruz, CA$48,310
Boston, MA$48,046
Monterey, CA$47,894
Seattle, WA$47,795
Santa Rosa, CA$47,787
Los Angeles, CA$47,774
Juneau, AK$47,661
Washington, DC$47,614
Orange, CA$47,460
Santa Ana, CA$47,346
Long Beach, CA$47,302
Anaheim, CA$47,294
Anchorage, AK$47,272
Santa Maria, CA$47,142
Everett, WA$47,134
Danbury, CT$46,982
Bremerton, WA$46,922
Tacoma, WA$46,766
New Suffolk, NY$46,765
Sacramento, CA$46,753
Santa Barbara, CA$46,706
Trenton, NJ$46,658
San Diego, CA$46,658
Brockton, MA$46,611
Fairbanks, AK$46,505
Lompoc, CA$46,394
Lowell, MA$46,359
Ventura, CA$46,351
Nashua, NH$46,342
Stockton, CA$46,338
Modesto, CA$46,023
Poughkeepsie, NY$45,927
Olympia, WA$45,845
Kennewick, WA$45,845
New Haven, CT$45,828
Lawrence, MA$45,672
Hartford, CT$45,629
Riverside, CA$45,620
New Bedford, MA$45,577
Richland, WA$45,577
Bakersfield, CA$45,517
San Bernardino, CA$45,499
New Britain, CT$45,495
Atlantic City, NJ$45,495
New London, CT$45,478
Norwich, CT$45,465
Portsmouth, NH$45,456
Boulder, CO$45,364
Portland, OR$45,305
Worcester, MA$45,300
Minneapolis, MN$45,166
Philadelphia, PA$45,106
Honolulu, HI$44,963
Saint Paul, MN$44,942
Vineland, NJ$44,933
Providence, RI$44,808
Chicago, IL$44,682
Bellingham, WA$44,630
Springfield, MA$44,596
Baltimore, MD$44,583
Chico, CA$44,475
Pittsfield, MA$44,358
Manchester, NH$44,276
Spokane, WA$44,085
Denver, CO$44,081
Albany, NY$43,878
Troy, NY$43,861
Nassau, NY$43,814
Schenectady, NY$43,770
Wilmington, DE$43,735
Burlington, VT$43,675
Salem, OR$43,657
Portland, ME$43,523
Yakima, WA$43,480
Rochester, MN$43,346
Reno, NV$43,324
Fresno, CA$43,324
Milwaukee, WI$43,286
Detroit, MI$43,242
Ann Arbor, MI$43,235
Allentown, PA$43,229
Colorado Springs, CO$43,156
Syracuse, NY$43,134
Carson City, NV$43,134
Houston, TX$43,074
Eugene, OR$43,052
Gary, IN$43,000
Springfield, OR$42,966
Bismarck, ND$42,957
Galveston, TX$42,927
Medford, OR$42,862
Fort Collins, CO$42,845
Concord, NH$42,823
Austin, TX$42,810
Mesa, AZ$42,719
Reading, PA$42,715
Phoenix, AZ$42,710
Dallas, TX$42,698
Saint Cloud, MN$42,656
Madison, WI$42,598
Utica, NY$42,481
Rochester, NY$42,412
Des Moines, IA$42,408
Raleigh, NC$42,404
Atlanta, GA$42,339
Battle Creek, MI$42,326
Salt Lake City, UT$42,313
Lancaster, PA$42,248
Harrisburg, PA$42,187
Kansas City, MO$42,144
Champaign, IL$42,135
Kansas City, KS$42,135
Fort Worth, TX$42,131
Columbus, OH$42,124
Boca Raton, FL$42,114
Pittsburgh, PA$42,097
Richmond, VA$42,079
Indianapolis, IN$42,071
Cleveland, OH$42,066
Las Vegas, NV$42,014
Cincinnati, OH$42,014
Petersburg, VA$41,950
Huntsville, AL$41,885
Lansing, MI$41,856
Lebanon, PA$41,850
Pueblo, CO$41,846
Appleton, WI$41,833
Buffalo, NY$41,815
Dayton, OH$41,802
Racine, WI$41,794
Charlotte, NC$41,790
Saint Louis, MO$41,777
York, PA$41,751
Elkhart, IN$41,751
Gastonia, NC$41,742
Billings, MT$41,732
Beaumont, TX$41,720
Lorain, OH$41,712
Benton Harbor, MI$41,703
Toledo, OH$41,694
Binghamton, NY$41,673
Rock Hill, SC$41,668
Rockford, IL$41,647
Springfield, IL$41,630
Elyria, OH$41,625
Fargo, ND$41,625
Flagstaff, AZ$41,595
Fort Lauderdale, FL$41,569
Duluth, MN$41,543
Miami, FL$41,543
Cheyenne, WY$41,513
Grand Forks, ND$41,513
Bangor, ME$41,418
Cedar Rapids, IA$41,370
Durham, NC$41,352
Louisville, KY$41,348
Grand Rapids, MI$41,340
Hialeah, FL$41,336
Casper, WY$41,275
Scranton, PA$41,223
New Orleans, LA$41,210
Virginia Beach, VA$41,206
Akron, OH$41,184
Peoria, IL$41,128
Sarasota, FL$41,119
Nashville, TN$41,089
Omaha, NE$41,089
Green Bay, WI$41,089
Baton Rouge, LA$41,067
Charleston, SC$41,059
Jamestown, NY$41,037
Davenport, IA$41,037
Tucson, AZ$41,016
Saint Petersburg, FL$40,990
Tampa, FL$40,981
Evansville, IN$40,955
Port Arthur, TX$40,955
Bradenton, FL$40,938
Santa Fe, NM$40,860
Orlando, FL$40,782
Clearwater, FL$40,769
Canton, OH$40,678
La Crosse, WI$40,678
Albuquerque, NM$40,652
Newport News, VA$40,648
High Point, NC$40,635
Ogden, UT$40,618
Corpus Christi, TX$40,583
Norfolk, VA$40,557
Laramie, WY$40,557
Rock Island, IL$40,531
Saginaw, MI$40,523
Jacksonville, FL$40,518
Salisbury, NC$40,510
Boise, ID$40,501
Moline, IL$40,479
Fort Myers, FL$40,466
Memphis, TN$40,458
Tulsa, OK$40,436
Waterloo, IA$40,410
Spartanburg, SC$40,367
Lincoln, NE$40,345
Fort Wayne, IN$40,337
Provo, UT$40,332
Cedar Falls, IA$40,281
San Antonio, TX$40,263
Greensboro, NC$40,246
South Bend, IN$40,242
Savannah, GA$40,194
Muskegon, MI$40,177
Birmingham, AL$40,172
Winston Salem, NC$40,151
Lake Charles, LA$40,047
Anderson, IN$40,038
Lexington, KY$40,025
Augusta, GA$40,012
Greenville, SC$40,012
Lima, OH$39,978
Wichita, KS$39,974
Tuscaloosa, AL$39,974
Columbia, SC$39,935
Springfield, OH$39,926
Asheville, NC$39,857
Bloomington, IN$39,827
Knoxville, TN$39,671
Shreveport, LA$39,667
Wilmington, NC$39,610
Roanoke, VA$39,610
Topeka, KS$39,533
Frankfort, KY$39,528
Oklahoma City, OK$39,498
Chillicothe, OH$39,481
Longview, TX$39,476
Melbourne, FL$39,472
Sioux Falls, SD$39,403
Mobile, AL$39,398
Terre Haute, IN$39,381
Altoona, PA$39,355
Amarillo, TX$39,325
Killeen, TX$39,312
Fayetteville, AR$39,277
Chattanooga, TN$39,264
Sioux City, IA$39,226
Idaho Falls, ID$39,217
Lynchburg, VA$39,182
Gainesville, FL$39,126
Portsmouth, OH$39,104
Little Rock, AR$39,096
Lafayette, LA$39,079
Youngstown, OH$39,079
Daytona Beach, FL$39,053
Clarksville, TN$39,048
Pensacola, FL$39,044
Temple, TX$39,041
Hopkinsville, KY$38,914
Erie, PA$38,906
Florence, SC$38,888
Charleston, WV$38,819
Great Falls, MT$38,797
Macon, GA$38,737
Tallahassee, FL$38,733
Fayetteville, NC$38,724
Waco, TX$38,715
Helena, MT$38,685
Pine Bluff, AR$38,669
Vincennes, IN$38,616
Lubbock, TX$38,599
Alamogordo, NM$38,573
Twin Falls, ID$38,534
Rapid City, SD$38,521
Jackson, MS$38,443
Huntington, WV$38,440
Greenville, MS$38,439
Parkersburg, WV$38,394
Montgomery, AL$38,387
Wichita Falls, TX$38,343
Springfield, MO$38,343
Biloxi, MS$38,322
Monroe, LA$38,279
Johnstown, PA$38,248
Sumter, SC$38,231
Columbus, GA$38,227
Pascagoula, MS$38,145
Abilene, TX$38,145
Kingsport, TN$38,032
Albany, GA$38,032
Gulfport, MS$38,019
Alexandria, LA$37,876
Fort Smith, AR$37,768
El Paso, TX$37,652
Las Cruces, NM$37,457
Harlingen, TX$37,347
Pocatello, ID$37,340
Florence, AL$37,284
Brownsville, TX$37,275
Mcallen, TX$37,185
Dothan, AL$37,124
Columbus, MS$36,867
Altus, OK$36,666
Lawton, OK$36,584
Pierre, SD$36,428
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
$55,777
29%
Financial Analysis
$52,318
21%
Financial Statements
$48,427
12%
Talent Acquisition
$47,994
11%
Economics
$47,994
11%
Dispute Management
$47,994
11%
Get Latest Data
Credit and Collections Representative I Salary by Company Size: Startups vs. Enterprise
Credit and Collections Representative I salary potential scales significantly with company size.
Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $48,361.
While startup companies pay approximate $40,899.
Credit and Collections Representative I Salary by Company Size
Company Size
Employees
Average Salary
Startup
1~50
$40,899
Growth Stage
51~500
$43,257
Established
501~5000
$46,702
Enterprise
5000+
$48,361
Credit and Collections Representative I Salary by Industry: Top Paying Sectors
For Credit and Collections Representative I roles, the industry you choose can affect earning potential
by as much as 45% (the gap between the highest and lowest paying industries).
Data shows that the Aerospace & Defense and Pharmaceuticals
sectors offer the strongest compensation, at 20% above the average.
In contrast, Credit and Collections Representative positions in Retail & Wholesale or Edu., Gov't. & Nonprofit typically offer lower base pay,
as these industries often view Credit and Collections Representative I as a support function rather than a direct revenue driver.
The top paying industries for a Credit and Collections Representative I
Industry Sector
Average Annual Salary
Average Hourly Rate
Pay vs.Avg
Aerospace & Defense
$51,886
$25.0
20%
Pharmaceuticals
$51,886
$25.0
20%
Energy & Utilities
$49,724
$24.0
15%
Insurance
$49,724
$24.0
15%
Biotechnology
$47,562
$23.0
10%
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 July 01, 2026
$38,832
Average$43,238/year
$48,048
$3,236
Average$3,603/month
$4,004
$747
Average$832/week
$924
$19
Average$21/hour
$23
Annual Salary
Monthly Pay
Weekly Pay
Hourly Wage
75th Percentile
$48,048
$4,004
$924
$23
Average
$43,238
$3,603
$832
$21
25th Percentile
$38,832
$3,236
$747
$19
Credit and Collections Representative I Salary Growth & Career Path
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
$49,740
15%
Electronic Payment Clerk
$51,902
20%
Salaries of jobs related to Credit and Collections Representative I
Salary Trends for Credit and Collections Representative I
Salaries for a Credit and Collections Representative I can change over time,
reflecting shifts in market demand and the overall economy.
The median salary increased from $38,104 in 2023
to around $38,521 in 2025,
reflecting changes in demand, location, experience, and the wider economy.
For a detailed analysis of Credit and Collections Representative I salary trends,
.
Average Annual Salary of Credit and Collections Representative I Over Time
2022
$???
2023
$38,104
2024
$38,600
2025
$38,521
2026
$???
2027
$???
Year
Average Annual Salary
2022
View More
2023
$38,104
2024
$38,600
2025
$38,521
2026
View More
2027
View More
Most common benefits for Credit and Collections Representative I
Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
For Employers
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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.
C
$128,509/per year
C R Bard Inc
Biotechnology
the United States
H
$124,697/per year
Henry Schein Canada
Biotechnology
the United States
N
$123,899/per year
Nordex Inc
Biotechnology
the United States
N
$120,416/per year
Nipro Corp
Biotechnology
the United States
E
$115,870/per year
Enovis
Biotechnology
the United States
A
$114,553/per year
Advanced Research Projects Agency - Energy
Biotechnology
the United States
M
$112,110/per year
MiniMed Inc
Biotechnology
the United States
L
$111,500/per year
Labcorp Drug Development
Biotechnology
the United States
L
$110,229/per year
Life Technologies Corp
Biotechnology
the United States
Z
$106,224/per year
Zimmer Biomet
Biotechnology
the United States
P
$103,077/per year
Promontory Therapeutics
Biotechnology
the United States
S
$102,181/per year
Steris PLC
Biotechnology
the United States
G
$97,274/per year
Gavin Conferences Pty Ltd
Biotechnology
the United States
E
$94,764/per year
Endeavor BioMedicines
Biotechnology
the United States
R
$94,402/per year
Replay Holdings LLC
Biotechnology
the United States
P
$94,235/per year
Pleno Inc
Biotechnology
the United States
S
$93,666/per year
Simulaids Inc
Biotechnology
the United States
N
$88,880/per year
NOIRLab/CAS
Biotechnology
the United States
O
$86,468/per year
Onward Technology
Biotechnology
the United States
L
$84,895/per year
LED Medical Diagnostics Inc
Biotechnology
the United States
E
$84,682/per year
Eyeco Ltd
Biotechnology
the United States
P
$84,523/per year
Paerosol
Biotechnology
the United States
I
$83,525/per year
IONIQ Sciences Inc
Biotechnology
the United States
S
$82,815/per year
Stateside PPE
Biotechnology
the United States
D
$82,041/per year
Digi Bio
Biotechnology
the United States
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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 $54,536.
2. What is the highest pay for Credit and Collections Representative I?
The highest pay for Credit and Collections Representative I is $52,427.
3. What is the lowest pay for Credit and Collections Representative I?
The lowest pay for Credit and Collections Representative I is $34,821.
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.
5. What industry pays the highest salary for Credit and Collections Representative I?
The Aerospace & Defense industry offers the highest average compensation for Credit and Collections Representative I roles,
with salaries approximately 20% above the market median.
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.
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