Credit Checkers

Investigate history and credit standing of individuals or business establishments applying for credit. Telephone or write to credit departments of business and service establishments to obtain information about applicant's credit standing.

tasks jobzones knowledge skills abilities work_activities work_context interests work_styles work_values

Tasks

• Relay credit report information to subscribers by mail or by telephone.

• Prepare reports of findings and recommendations, using typewriters or computers.

• Examine city directories and public records in order to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.

• Interview credit applicants by telephone or in person in order to obtain personal and financial data needed to complete credit report.

• Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.

• Contact former employers and other acquaintances to verify applicants' references, employment, health history, and social behavior.

• Compile and analyze credit information gathered by investigation.

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Job Zone

• Name: Job Zone Two: Some Preparation Needed

• Experience: Some previous work-related skill, knowledge, or experience may be helpful in these occupations, but usually is not needed. For example, a teller might benefit from experience working directly with the public, but an inexperienced person could still learn to be a teller with little difficulty.

• Education: These occupations usually require a high school diploma and may require some vocational training or job-related course work. In some cases, an associate's or bachelor's degree could be needed.

• Job training: Employees in these occupations need anywhere from a few months to one year of working with experienced employees.

• Examples: These occupations often involve using your knowledge and skills to help others. Examples include sheet metal workers, forest fire fighters, customer service representatives, pharmacy technicians, salespersons (retail), and tellers.

• Svp range: (4.0 to < 6.0)

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Knowledge

Browse Knowledge

• Customer and Personal Service
  Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

• Clerical
  Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.

• English Language
  Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

• Law and Government
  Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

• Sales and Marketing
  Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

• Economics and Accounting
  Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

• Mathematics
  Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

• Computers and Electronics
  Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

• Psychology
  Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

• Administration and Management
  Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

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Skills

Browse Skills

• Reading Comprehension
  Understanding written sentences and paragraphs in work related documents.

• Critical Thinking
  Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

• Active Listening
  Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

• Speaking
  Talking to others to convey information effectively.

• Writing
  Communicating effectively in writing as appropriate for the needs of the audience.

• Time Management
  Managing one's own time and the time of others.

• Instructing
  Teaching others how to do something.

• Mathematics
  Using mathematics to solve problems.

• Judgment and Decision Making
  Considering the relative costs and benefits of potential actions to choose the most appropriate one.

• Monitoring
  Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.

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Abilities

Browse Abilities

• Oral Expression
  The ability to communicate information and ideas in speaking so others will understand.

• Oral Comprehension
  The ability to listen to and understand information and ideas presented through spoken words and sentences.

• Written Comprehension
  The ability to read and understand information and ideas presented in writing.

• Written Expression
  The ability to communicate information and ideas in writing so others will understand.

• Inductive Reasoning
  The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).

• Speech Recognition
  The ability to identify and understand the speech of another person.

• Deductive Reasoning
  The ability to apply general rules to specific problems to produce answers that make sense.

• Problem Sensitivity
  The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.

• Information Ordering
  The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).

• Near Vision
  The ability to see details at close range (within a few feet of the observer).

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Work Activities

Browse Work Activities

• Updating and Using Relevant Knowledge
  Keeping up-to-date technically and applying new knowledge to your job.

• Communicating with Persons Outside Organization
  Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.

• Establishing and Maintaining Interpersonal Relationships
  Developing constructive and cooperative working relationships with others, and maintaining them over time.

• Making Decisions and Solving Problems
  Analyzing information and evaluating results to choose the best solution and solve problems.

• Organizing, Planning, and Prioritizing Work
  Developing specific goals and plans to prioritize, organize, and accomplish your work.

• Processing Information
  Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.

• Interacting With Computers
  Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.

• Getting Information
  Observing, receiving, and otherwise obtaining information from all relevant sources.

• Interpreting the Meaning of Information for Others
  Translating or explaining what information means and how it can be used.

• Communicating with Supervisors, Peers, or Subordinates
  Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.

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Work Context

• Telephone
  How often do you have telephone conversations in this job?

• Contact With Others
  How much does this job require the worker to be in contact with others (face-to-face, by telephone, or otherwise) in order to perform it?

• Electronic Mail
  How often do you use electronic mail in this job?

• Spend Time Sitting
  How much does this job require sitting?

• Importance of Being Exact or Accurate
  How important is being very exact or highly accurate in performing this job?

• Work With Work Group or Team
  How important is it to work with others in a group or team in this job?

• Importance of Repeating Same Tasks
  How important is repeating the same physical activities (e.g., key entry) or mental activities (e.g., checking entries in a ledger) over and over, without stopping, to performing this job?

• Deal With External Customers
  How important is it to work with external customers or the public in this job?

• Structured versus Unstructured Work
  To what extent is this job structured for the worker, rather than allowing the worker to determine tasks, priorities, and goals?

• Time Pressure
  How often does this job require the worker to meet strict deadlines?

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Interests

Browse Interests

• Conventional
  Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.

• Enterprising
  Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.

• Social
  Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others.

• Realistic
  Realistic occupations frequently involve work activities that include practical, hands-on problems and solutions. They often deal with plants, animals, and real-world materials like wood, tools, and machinery. Many of the occupations require working outside, and do not involve a lot of paperwork or working closely with others.

• Investigative
  Investigative occupations frequently involve working with ideas, and require an extensive amount of thinking. These occupations can involve searching for facts and figuring out problems mentally.

• Artistic
  Artistic occupations frequently involve working with forms, designs and patterns. They often require self-expression and the work can be done without following a clear set of rules.

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Work Styles

• Self Control
  Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.

• Attention to Detail
  Job requires being careful about detail and thorough in completing work tasks.

• Integrity
  Job requires being honest and ethical.

• Dependability
  Job requires being reliable, responsible, and dependable, and fulfilling obligations.

• Cooperation
  Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.

• Stress Tolerance
  Job requires accepting criticism and dealing calmly and effectively with high stress situations.

• Independence
  Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.

• Initiative
  Job requires a willingness to take on responsibilities and challenges.

• Persistence
  Job requires persistence in the face of obstacles.

• Social Orientation
  Job requires preferring to work with others rather than alone, and being personally connected with others on the job.

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Work Values

Browse Work Values

• Working Conditions
  Workers on this job have good working conditions.

• Activity
  Workers on this job are busy all the time.

• Security
  Workers on this job have steady employment.

• Moral Values
  Workers on this job are never pressured to do things that go against their sense of right and wrong.

• Supervision, Human Relations
  Workers on this job have supervisors who back up their workers with management.

• Company Policies and Practices
  Workers on this job are treated fairly by the company.

• Support-Mean Extent
  Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical.

• Co-workers
  Workers on this job have co-workers who are easy to get along with.

• Working Conditions-Mean Extent
  Occupations that satisfy this work value offer job security and good working conditions. Corresponding needs are Activity, Compensation, Independence, Security, Variety and Working Conditions.

• Relationships-Mean Extent
  Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service.

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