ICFE Certifies 33 Credit Report Reviewers in January
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ICFE Certifies 33 Credit Report Reviewers in January
Independent Study Guide, Examination and Certification in accordance with the new Fair and Accurate Credit Transactions Act of 2003.
ICFE Course prepares individuals on how to read and understand
credit reports, identify errors and also help protect against identity theft .

San Diego, CA - The Fair and Accurate Credit Transactions Act of 2003 (FACTA) was enacted to provide many new protections and rights for consumers, many of which will take effect in 2004. Many financial services professionals, including debt and credit counselors, plus lenders and real estate agents among others, are enrolling in the credit report reviewer certification program to get up to speed with the new law.

One of the main features of FACTA, is the requirement of free credit reports annually for all consumers that takes effect about November 2004. There are also important new protections for victims of identity theft.

Reviewing credit reports and credit scores for consumers has now become more important because it can reveal areas where consumers might be paying more for credit because of a lower than deserved credit score.

Credit Report Review applicants complete an educational study program on the new law and after an examination become certified as a Credit Report Reviewer, by the award winning, nonprofit Institute of Consumer Financial Education (ICFE) based in San Diego, CA. The ICFE is dedicated to helping consumers become better spenders, regular savers and wiser users of credit and has been publishing do-it-yourself credit file correction guides for consumers and counselors since 1992. The ICFE certified 33 Credit Report Reviewers in January 2004.

The growth of consumer credit and indebtedness has been explosive over the past ten years and relatively few Americans bother to look at their credit profiles, usually because they have had little difficulty in obtaining credit. Now Identity Theft is the nation's fastest growing crime, and most consumers aren't even aware they are victims until they look at their credit report and see a new credit account they did not originate.

This is an area of great concern to consumers, especially active credit users. An important new help for consumers, is the credit report review service, which can help consumers protect against identity theft, plus identify inaccuracies (that also might be lowering one's credit score) and teach how to remove them.

The Credit Report Review is offered only by ICFE Certified Credit Report Reviewers. "Credit report reviews should be conducted annually for the average consumer, semiannually for active credit users - those paying on three or more credit cards and/or loans per month," indicated Paul Richard, a Registered Financial Consultant (RFC) and the Executive Director of the ICFE.

For more information about the Credit Report Reviewer's Certification Course, you may visit the ICFE web site at: www.financial-education-icfe.org or call: 619 239 1401.

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About the ICFE:

The Institute of Consumer Financial Education (ICFE) was founded in 1982 by the late Loren Dunton (creator of the Certified Financial Planner (CFP) designation).  The ICFE is dedicated to helping consumers of all ages to improve their spending, increase savings and use credit more wisely. 
The ICFE is an award winning, nonprofit, consumer education organization that has helped millions of people through its education programs and Resources. It publishes the Do-It-Yourself Credit File correction Guide, which is updated annually. The ICFE has distributed over one million Credit/Debit Card Warning Labels and Credit/Debit Card Sleeves world wide.

The ICFE became an official partner with the Department of Defense/Financial Readiness Campaign in June of 2004.The ICFE was an active partner in the California Student Debt Resource Awareness Project (CASDRAP) which resulted in a new web site: (studentdebthelp.org).  CASDRAP disbanded in 2010, shortly after the web site project was completed.  In 2011 the ICFE assumed the single sponsorship of the (studentdebthelp.org) web site and is now responsible for its content and operation.

The ICFE is also an on-line help for consumers who spend too much.  ICFE's spending help was featured in PARADE Magazine in the Intelligence Report section. The money helps and tips are from the ICFE's Money Instruction Book, our course in personal finance.

Visit the ICFE's other web sites at: www.financial-education-icfe.org and studentdebthelp.org.  Both sites helps consumers and students with mending spending, learning about the proper use of credit, budget and expense guidelines, how to set up and implement a spending-plan and also how to access financial education courses and how to teach children about money. Other ICFE services include: Ask Mr. G,  a free eNews, and an online resource center for students, parents and educators, plus financial education learning tools and a book store.

About the ICFE:

The Institute of Consumer Financial Education (ICFE), founded in 1982 by the late Loren Dunton (creator of the 'certified financial planner' (CFP) designation) and it is dedicated to helping consumers of all ages to improve their spending, increase savings and use credit more wisely. The ICFE trains and certifies Personal Finance Instructors for its own curriculum. It also trains and certifies Credit Report Reviewers and Identity Theft Prevention Specialists.

The ICFE is an award winning, nonprofit, consumer education organization that has helped millions of people through its education programs and Resources. It publishes the Do-It-Yourself Credit File correction Guide, now in its 16th printing and has distributed over one million 'Credit/Debit Card Warning Labels' and 'Credit/Debit Card Sleeves' world wide.

The ICFE became an official partner with the Department of Defense/Financial Readiness Campaign in June of 2004.

The ICFE is also a partner in the national Jump$tart Coalition for Financial Literacy and the California Jump$tart chapter. The ICFE staff is also active with San Diego Saves, an offshoot of America Saves, and the California Student Debt Resource Awareness Project (CASDRAP) (studentdebthelp.org).

The ICFE's on-line help for consumers who spend too much was featured in PARADE Magazine in the Intelligence Report section. The money helps and tips are from 'The Money Instruction Book,' a course in personal finance, positioned to become among the premier programs in the new bankruptcy and debtor education initiatives.

The ICFE Web site at: www.financial-education-icfe.org helps consumers with mending spending, learning about the proper use of credit, budget and expense guidelines, how to set up and implement a spending-plan and also how to access financial education courses and videos and how to teach children about money. Other ICFE services include a free eNews, and an online resource center of financial education learning tools, including videos, books, software and personal finance courses.

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