| Certified Credit
Report Reviewer CCRR™
Independent Study Guide |
| Table of Contents Page |
| |
| |
| 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 |
|
. . . Full Text of the FCRA with FACTA Amendments
from 2003 Page
70-162 |
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Certified Credit Report Reviewer
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