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CCRR ®
is a registered trademark of the Institute of Consumer Financial
Education (ICFE), San Diego, CA
Introduction
The ICFE's
CCRR® program is the nation’s only comprehensive training and certification
specifically developed for the credit industry professionals who
are dedicated to educating and assisting consumers, clients, customers,
businesses, and the general public in credit reporting, credit scoring
plus how to maintain a good report and high score.
CCRR®
qualified professionals are employed by a wide range of organizations
including consumer credit and debt counseling organizations, credit
unions and other financial institutions, student loan lenders, cooperative
extension system, all branches of the military, mortgage,
real estate, and financial services firms; law enforcement, and
other government agencies. Many others are private practitioners
including notary public, attorneys, security consultants, CPAs,
CFPs, and consumer educators.
The growth of the consumer credit
has been explosive. Americans are still getting all charged-up
with their plastic. Individual credit files continue to grow,
many times into more than three dozen pages. This area of
growing concern to consumers and business owners alike is one that
is often overlooked by their well meaning financial and business
advisors, until now.
ICFE
Certified Credit Report Reviewers (CCRRs®)
have learned Fair Credit Reporting Act (FCRA) and the Fair and Accurate
Credit Transaction Act (FACTA). They have learned how
to read and understand their own credit reports and those of others.
They have also learned about the steps to take 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.
More
people are now becoming aware of the importance of looking at their
credit files, especially because of recent headline news stories
about the rapid increase of crime in these areas.
Studies have also shown that credit history is a powerful predictor
of future auto insurance losses. Many insurance companies consider
certain credit characteristics in addition to many other factors
when determining an individual's rate.
ICFE
CCRRs®
provide a valuable service by helping to educate their individual
clients and small business owners on the importance of maintaining
a good rating, high credit scores and protect their personal information
from criminals.

2011
NOTICE TO ALL ICFE CCRRs for both students enrolled and ICFE certificants
The Federal
Reserve Board has created two new web sites providing consumer information
on credit.
1)
Credit Reports and Credit Scores
2)
What you Need to Know: New Rules about Credit Decisions
and Notices

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This course is now
available online at substantial savings:
The online
enrollment is currently $149. The Online course does
not include
any printed materials or PowerPoint Shows and the ICFE Do-It-Yourself Credit
File Correction Guides
These materials are, however, available for purchase.
CCRR® Online
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Who
Is Enrolling In This Valuable
ICFE
CCRR®
Certification Program and earning CE’s?
Click here to
view a partial list of companies represented by current CCRRs®
·
CFP, CLU-ChFC, RFC, CPA, Notaries, Credit and Debt
Counselors
Bank, Credit Union & Student Lenders
Military Personal Financial Counselor
Employee Benefits Administrators
Mortgage Lenders and Real Estate Agents
In-house Collection and Recovery Counselors
Faith Based Credit and Financial Counselors
Bankruptcy and Financial Education Instructors
First-time Home Buyer Advocates-Counselors
View News Release!
Specialized Credit Report Reviewer and ID
Theft Risk Management Credentials from ICFE Set New Standard

Why Become a
CCRR®?
Here's some of the reasons why people are
becoming an ICFE Certified Credit Report Reviewer:
·
Becoming certified by the ICFE makes a difference
to your clients, your company and yourself
and is a manifestation of your commitment to high standards of professionalism
aimed at
your employer, your colleagues, your clients and the general public.
·
Demonstrate your professional qualifications.
·
Enhance your experience in the field and promote
your professional value.
Learn
critical elements of the FCRA and FACTA Laws.
Stay current with the FCRA/FACTA law and other financial
education trends.·
Fulfill continuing education (CE) and PACE requirements.
·
The ICFE Certified Credit Report Reviewer is endorsed
by the International Association of
Registered Financial Consultants and awards IARFC members 15 CEs.
The CFP Board of Standards and Practices accepts
this program for SEVEN CEs for CFPs.
·
This program is approved for Seven PACE credits.
National Assn. of Certified Credit Counselors (NACCC)
awards its members eight CEs.·
Assn. For Financial Counseling Planning & Education (AFCPE.org)
15 CEs.
·
NEW:
Extra
Benefit: Earn a listing in the ICFE’s online International Directory of CCRR®
Certificants

About reviewing credit
reports
There will be millions
of consumers who will need help understanding what is in their credit
report. Thousands of credit report reviewers will be needed the
years ahead as more consumers begin to take advantage of their free
credit reports.
About a half million
consumers will also have become identity theft victims. Regular
reviews of credit reports (one or two times per year, depending
on level of credit activity) is the latest weapon in combating America's
fastest growing crimes - Identity Theft - by early
detection and better
consumer awareness, both can be a result of the credit report reviews.
Learn critical points
of the FCRA and the FACTA. The complete text is included in the
CCRR®
Independent
Study Guide (ISG. Also learn what a credit report reviewer
is and what they do. Discover if your profession is among those
on the list of who need CE's available to those enrolling and completing
this exciting and beneficial program. Are among the
types of professionals who may benefit from the enhancement to your
experience with the
CCRR®
training?
If you said yes, please read on.
The entire ICFE
CCRR®
certification process is explained in following paragraphs, including
a list of materials and pictures of the materials and Certificates
the ICFE provides to successful candidates. There are also more
details about providing the credit report review service.
NOTICE TO ALL ICFE CCRRs for both students enrolled and ICFE certificants
The Federal
Reserve Board has created two new web sites providing consumer information
on credit.
1)
Credit Reports and Credit Scores
2)
What you Need to Know: New Rules about Credit Decisions
and Notices


Here is what's included in the
ICFE CCRR®
enrollment
package:
ICFE
CCRR®
Independent Study Guide - FCRA/FACTA
ICFE
CCRR®
Independent Study Guide
Table of Contents
(Click Here to View
the
CCRR®™
Table
of Contents)
ICFE
CCRR®
100
Question Examination/Answer Sheet - FCRA/FACTA
100 question exam - 80 correct answers required
One
ICFE Do-It-Yourself Credit File Correction Guide
PLUS
Sample letters and freeze letters
from the Credit File Correction Guide on a CD Rom
An ICFE Special Report on Identity Theft
(A
PowerPoint Presentation on wallet sized CD-rom)
“Take Charge”
(Identity Theft booklet—free from the Federal
Trade Commission)
ICFE Certificate with ICFE Seal “Certified Credit
Report Reviewer -
CCRR®”
Benefit: Earn a listing in the ICFE’s online Directory of CCRR®
ICFE eNEWS and regular email updates
Enrollment in ICFE CCRR® Program
$375.00
Less Publisher's Discount
(good thru 07-31-2012)
($76.00)
Net Cost per enrollment
$299.00 (INCLUDES Priority Mail postage)
Special Pricing!
Multiple Enrollment Savings of $25 each. (2 or more
enrollments at same time)
Notice: The CCRR®
course is now available online
The online enrollment is currently $149. The Online course does
not include
any printed materials or PowerPoint Shows and the five ICFE Do-It-Yourself
Credit
File Correction Guides.
These materials are, however, available for purchase.


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ICFE CCRR® Independent
Study Guide
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ICFE CCRR® 100
Question Examination
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One ICFE Credit File
Correction Guide |
Free Identity Theft
Booklet from the FTC |
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CD
Rom ICFE Credit File
Correction Letters
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Certificate:
ICFE Certified Credit Report Reviewer
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CD
Rom ICFE PowerPoint Presentation
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About the Credit Report Review
Service:
As an ICFE Certified
Credit Report Reviewer you will teach clients how to obtain their
credit reports from the three major CRAs. When the client has his
or her credit reports in hand, you will review their credit reports,
page-by-page, with the client present. The average credit report
review takes about an hour and fifteen minutes.
A husband and wife
are considered separate clients because there are no joint credit
reports.
You will explain
how they may make any changes and corrections and you may suggest
what changes to make using the ICFE's Do-It-Yourself Credit File
Correction Guide.
After you have finished
the interview you may want sell or provide the client a copy of
the ICFE's Do-It-Yourself
Credit File Correction Guide. The ICFE Guide has sample letters
for your clients to use as a guide in making any changes desired.
The ICFE's Guide is published in English and Spanish, so you may
provide a bi-lingual service if you so desire. If you provide them
with a complimentary copy of the ICFE Do-It-Yourself Credit File
Correction Guide, it is a $10-15 retail value, your cost is $5 or
below, subject to quantity.
Your clients will also receive an important
list of things they should to do prevent against Identity Theft.
The suggested fee is $35-$50 for about a one hour review service,
including the ICFE Guide. If you spend more than one hour, but less
than 90 minutes, the suggested fee is $50-$75 including the ICFE
Guide.

Immediately
order your own credit reports.
In about a week, you will receive your ICFE Independent Study
Guide
for your CCRR®
Certification,
the Examination and the ICFE's Do-It-Yourself Credit File Correction
Guide.
Complete at your own pace, using your credit reports as you
progress.
Lastly,
when you have completed the exam, send it to ICFE (PO Box 34070
San Diego, CA 92163)
OR fax it to 619-923-3284 OR email it to the ICFE to get your grade
and
CCRR®
Certificate.
| To
Order Financial Education Books, Videos & Tapes: |
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Click Here for Order
Options (Online, Fax, Phone) |
| California residents add 8.75%
sales tax |
| Visa,
MasterCard or American Express Accepted |
| call 619-239-1401 fax 619-923-3284 OR or send check
or money order to: |
Institute of Consumer Financial Education
P.O. Box WWW-34070
San Diego, CA 92163-4070 |
| Printable
Order Form |
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Note:
The Institute of Consumer Financial Education does not
make names available to third parties |
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