ICFE's Certified Credit Report Reviewer.org (CCRR)

Certified Credit Report Reviewer CCRR™
Independent Study Guide Kit Contents


ICFE Independent Study Guide FCRA / FACTA	ICFE Examination FCRA / FACTA	Five ICFE Credit File Correction Guides	Free Identity Theft Booklet from the FTC


Certificate: ICFE Certified Credit Report Reviewer ™		CD Rom PowerPoint Presentation

Fair Credit Reporting	Page 5
Credit Reports - Credit Reporting Agencies	Page 5
Disclosures from CRAs (FCRA / FACTA-609a)	Page 5
Method of disclosures (FCRA / FACTA-610a)	Page 6
Procedures on disputed accuracy (FCRA / FACTA-611a)	Page 8

Information Providers and Users	Page 12
Businesses (retailers lenders etc.) FTC Guidelines	Page 12
Employers FTC Guidelines	Page 14
Landlords FTC Guidelines	Page 18
Insurers FTC Guidelines	Page 21

Reviewing Credit Reports with Consumers - Not Doing Credit Repair	Page 23
Review parameters, no credit repair and other guidelines	Page 23
Communicating and listening	Page 25
Appointments and follow-up with clients	Page 26

Consumer Education About Credit Reports and FICO Scores	Page 27
What a credit report is and how it's used	Page 28
Free Consumer and Specialty Reports (FCRA / FACTA Section 211 and 612)	Page 29
Check Approval Systems	Page 30
How to read and understand credit reports	Page 32
Sample credit report and sample credit report comparisons	Page 33
How credit scoring works FTC Guidelines	Page 35
Adverse Action Codes	Page 36
Fico Scores Measure Risk	Page 37
New Credit Scoring Provisions in FCRA / FACTA	Page 38
Credit Inquiries and the FICO Score (www.myfico.com)	Page 39
What to Know about rate shopping	Page 42
Improving a FICO Score (www.myfico.com)	Page 44

Counseling Consumers on the Do-it-Yourself Process	Page 45
How to make changes or dispute accuracy. FTC Guidelines	Page 49
Using the ICFE's Do-It-Yourself Credit File Correction Guide	Page 51

Identity Theft and Risk Management FTC Guidelines	Page 53
What is identity theft	Page 53
New FCRA / FACTA provisions for identity theft victims	Page 55
Identity theft risk management FTC Guidelines	Page 55
Complaint Clearinghouse	Page 56
CasePlanner™™ Software	Page 57
Cardholder Agreements	Page 58
Universal Default and Example on Credit Card Agreement	Page 59
Financial Fraud Statistics	Page 61-62
Student Loan Credit Reporting Resumes	Page 63
Protecting Credit Ratings During a Divorce	Page 63-64
Facts on Collections Agencies and Junk Debt Buyers	Page 65
Summary of Rights: Fair Debt Collection Practices from the FTC	Page 66-68
Certificate Sample ICFE Certified Credit Report Reviewer	Page 69
Full Text of the FCRA with FCRA / FACTA Amendments from 2003 (92 pages)	Pages 70-162

Training Info

ICFE Certified Credit Report Reviewers (CCRRs) have learned how to read and understand credit reports. They have also learned about the steps to take, almost daily, to guard against credit and identity theft, an important new aspect of the credit report review service. Another important aspect in the training is about credit scores; maintaining them or increasing them, which often results in lower credit costs.

Certified Credit Report Reviewer CCRR™ Independent Study Guide Kit Contents

Table of Contents

Training Info

Certified Credit Report Reviewer CCRR™
Independent Study Guide Kit Contents