Credit Report Reviewer Certification from ICFE
Ideal for Credit Union and Banking Loan Officers,
Customer Service and Collection Representatives
 
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Credit Report Reviewer Certification from ICFE
Ideal for Credit Union and Banking Loan Officers,
Customer Service and Collection Representatives

Latest weapon against identity theft is a credit report review.
Huge need for credit report reviews nationwide predicted by consumer
educators due to free credit reports for consumers courtesy of FACTA.

San Diego, CA -  Free credit reports - when they become available in December 2004 - will be the
single most popular feature of the new Fair and Accurate Credit Transactions Act (FACTA). It also
provides many other new protections and rights for consumers, especially for victims of identity theft
and those who are disputing inaccuracies.

Millions of consumers who access their free credit reports will need help in understanding what is in
them and if there is some inaccuracies, they will need education the do-it-yourself process. Reviewing
credit reports and credit scores is now more important because it can reveal areas where consumers
might be paying more for credit because of a lower than deserved credit score.

About a half more million people will become victims of identity theft in 2004 and reviewing a credit
report on a regular basis is the latest weapon in guarding against it and, equally important, early
detection.

Financial services professionals, including credit union and banking representatives, mortgage lenders and real estate agents and also financial and insurance planners plus debt and credit counselors and even finance reps from auto dealerships.

Individuals in these professions were among the first hundred candidates for Certification as a Credit Report Reviewer (CRR). Additionally a Midwest insurance firm enrolled 35 district managers to become credit report reviewers and will eventually train many of its agents in the field to help them get up to speed with the new law.

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 has been publishing do-it-yourself credit file correction guides for counselors and consumers for the last 12 years, updating again in March 2004.

The Credit Report Review is offered 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," said Paul S. Richard, a Registered
Financial Consultant (RFC) and the Executive Director of the ICFE.

The Credit Report Reviewer Certification program, which is being considered for college credit, is
endorsed by the International Association of Registered Financial Consultants (IARFC). The IARFC
awards 10 continuing education credits to its members who become certified.

The Certification course for FACTA 2004 includes an Independent Study Guide and 30 question
Examination, two Certificates, one as a Credit Report Reviewer and one as an Identity Theft Prevention
Specialist from the ICFE. Additional materials include five of the ICFE's Do-It-Yourself Credit File
Correction Guides, a PowerPoint presentation on Identity Theft and an FTC booklet on Identity
Theft.

The course prepares individuals to read and understand credit reports, identify errors and learn
what FACTA says about how long negatives can remain on a file and importantly how guard against
identity theft.

The ICFE Credit Report Certification program is $250, however a $50 introductory discount is
available through June 2004. Quantity discounts and in-house certification classes are also available.

For more information you may visit the ICFE web site at: www.financial-education-icfe.org or call: 619 239 1401.
 

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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