Credit Repair Specialist Salary in the United States

How much does a Credit Repair Specialist make in the United States?

As of January 01, 2026, the average salary for a Credit Repair Specialist in the United States is $44,954 per year, which breaks down to an hourly rate of $22.

However, a Credit Repair Specialist's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $55,120
  • Majority Range (25th-75th percentile): $40,544 to $50,275
  • Entry-Level (10th percentile): $36,529
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View as table View as graph 25% $40,544 10% $36,529 90% $55,120 75% $50,275 $44,954 50%(Median) Didn’t find job title? Click

Credit Repair Specialist Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $50,275 $4,190 $967 $24
Average $44,954 $3,746 $864 $22
25th Percentile $40,544 $3,379 $780 $19
Check out Credit Repair Specialist Job Openings in the United States
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Key Factors That Influence Credit Repair Specialist Salaries

A Credit Repair Specialist'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, education and company size can directly affect your earning potential.

How Experience Level Affects Credit Repair Specialist Salaries?

Experience is a primary driver of a Credit Repair Specialist'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:

  • Entry-Level (less than 1 year): $43,913
  • Early Career (1-2 years): $44,219
  • Mid-Level (2-4 years): $45,692
  • Senior-Level (5-8 years): $48,113
  • Expert (over 8 years): $48,286
Levels Salary
Entry Level Credit Repair Specialist$43,913
Intermediate Level Credit Repair Specialist$44,219
Senior Level Credit Repair Specialist$45,692
Specialist Level Credit Repair Specialist$48,113
Expert Level Credit Repair Specialist$48,286
$43,913 0 yr
$44,219 < 2 yrs
$45,692 2-4 yrs
$48,113 5-8 yrs
$48,286 > 8 yrs
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What Am I Worth?

Top Paying Cities for Credit Repair Specialists

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: $56,700
  • San Francisco: $56,143
  • Oakland: $54,898

What Skills Can Increase a Credit Repair Specialist's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 3.5% 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.
  • Claim Reviews (Mentioned in 1.43% Job Postings): A claims review is the process in which the underwriter reviews a claim to assure that it meets a set of standards.
  • Due Diligence (Mentioned in 0.64% Job Postings): Due diligence is the investigation or exercise of care that a reasonable business or person is expected to take before entering into an agreement or contract with another party, or an act with a certain standard of care. It can be a legal obligation, but the term will more commonly apply to voluntary investigations. A common example of due diligence in various industries is the process through which a potential acquirer evaluates a target company or its assets for an acquisition. The theory behind due diligence holds that performing this type of investigation contributes significantly to informed decision making by enhancing the amount and quality of information available to decision makers and by ensuring that this information is systematically used to deliberate in a reflexive manner on the decision at hand and all its costs, benefits, and risks.
See More Skills
Skills Demand Percentage
Customer Service 3.5%
Claim Reviews 1.43%
Due Diligence 0.64%
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 Repair Specialist's salary.
  • Record Keeping: Can increase your salary by up to 26%.
  • File Handling: Can increase your salary by up to 21%.
  • Leadership: Can increase your salary by up to 12%.
Skill Salary Salary % Increase
Record Keeping
$56,642
26%
File Handling
$54,394
21%
Leadership
$50,348
12%
HIPAA
$48,101
7%
Critical Thinking
$48,101
7%
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How Education impacts a Credit Repair Specialist's Salary?

Your level of education can impact your salary potential. While many Credit Repair Specialists enter the field with a High School Diploma or Technical Certificate degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Credit Repair Specialist with a High School Diploma or Technical Certificate is between $44,309 and $46,691).

Credit Repair Specialist Salaries by Degree Level

Typical Education for Credit Repair Specialist
Degree Level % of user with this level of education
No Diploma 25.0%
High School 75.0%
Associates 25.0%
Bachelors 75.0%
Masters 0.0%
Doctorate 0.0%
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Credit Repair Specialist Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Credit Repair Specialist'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.

Last Updated on January 01, 2026

Salary Trends for Credit Repair Specialist

Salaries for a Credit Repair Specialist can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $51,727 in 2023 to around $49,408 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Credit Repair Specialist salary trends, .

Average Annual Salary of Credit Repair Specialist Over Time

2022
$???
2023
$51,727
2024
$50,208
2025
$49,408
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $51,727
2024 $50,208
2025 $49,408
2026
View More
2027
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Most common benefits for Credit Repair Specialist

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Credit Repair Specialist

Here are companies hiring for Credit Repair Specialist and their salaries, click below for more details.

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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.)

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