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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.

Get Started Now!

 

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

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

 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.

CCRR® Online

 

ICFE CCRR® Independent
Study Guide

ICFE CCRR® 100
Question Examination
 
One ICFE Credit File
Correction Guide
Free Identity Theft
Booklet from the FTC

 CD Rom ICFE Credit File
Correction Letters

Certificate:
ICFE Certified Credit Report Reviewer

CD Rom ICFE PowerPoint Presentation


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.

Get Started Now!

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.

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Copyright © 1997 - by Paul Richard
and the Institute of Consumer Financial Education, All Rights Reserved.
View our
Privacy Policy Our Terms and Conditions

Institute of Consumer Financial Education
PO Box 34070
San Diego, Ca 92163
Paul Richard, Executive Director
Phone 619-239-1401

FAX 619-923-3284

Questions for www.icfe.info Click to go to Website Contact Us or 
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To Order Financial Education Books, Videos & Tapes:
Click Here for Order Options (Online, Fax, Phone)
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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
Note: The Institute of Consumer Financial Education does not make names available to third parties
Home ] ICFE News Releases ] ICFE in the News ] Children and Money ] Financial Education ] Resource Center ] Credit Card Tips ][ Credit File Correction ] Mending Spending ] Links and Resources ]  [ Online Store ]

Copyright © 1997 - by Paul Richard
and the Institute of Consumer Financial Education, All Rights Reserved.
View our
Privacy Policy Our Terms and Conditions

Institute of Consumer Financial Education
PO Box 34070
San Diego, Ca 92163
Paul Richard, Executive Director
Phone 619-239-1401

FAX 619-923-3284

Questions for www.icfe.info Click to go to Website Contact Us or 
Website Design Donated by Design Schools and Programs