| CCRR® Independent Study Guide Contents Page | |
|---|---|
| Copyrights - Contents - About the ICFE | Page 1-4 |
| Fair Credit Reporting | Page 5 |
| Credit Reports - Credit Reporting Agencies | Page 5 |
| Disclosures from CRAs, methods and procedures | Page 5-11 |
| 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 |
| New Rules from Federal Reserve and the FTC for 2011 | Page 27 |
| Consumer Education About Credit Reports and FICO Scores | Page 29 |
| What a credit report is and how it's used | Page 30 |
| Free Consumer and Specialty Reports | (FACTA Section 211 and 612) Page 31 |
| Check Approval Systems | Page 31 |
| New Rules from the FTC for Telemarketing and Debt Relief Companies | Page 33-34 |
| How to read and understand credit reports | Page 35 |
| Sample credit report and sample credit report comparisons | Page 36-37 |
| How credit scoring works - FTC Guidelines | Page 34 |
| About FICO Scores | Page 35 |
| Adverse Action Codes | Page 38 |
| Fico Scores Measure Risk | Page 40 |
| Credit Scoring Provisions in FCRA/FACTA | Page 41 |
| Credit Inquiries and the FICO Score MyFico.com | Page 41 |
| What to Know about rate shopping | Page 45 |
| Improving a FICO Score MyFico.com | Page 46 |
| Counseling Consumers on the Do-it-Yourself Process | Page 47 |
| How to make changes or dispute accuracy - FTC Guidelines | Page 51 |
| How to freeze credit files | Page 52 |
| Using the ICFE's Do-It-Yourself Credit File Correction Guide | Page 57 |
| Identity Theft and Risk Management - FTC Guidelines | Page 58 |
| What is identity theft | Page 58 |
| New FCRA/FACTA provisions for identity theft victims | Page 60 |
| Identity theft risk management - FTC Guidelines | Page 61 |
| New Credit Card Rules Effective 02-22-2010 | Page 63 |
| Example of Credit Card Agreement | Page 66 |
| Student Loan Credit Reporting Resumes | Page 67 |
| Protecting Credit Ratings During a Divorce | Page 67-68 |
| Facts on Collections Agencies and Junk Debt Buyers | Page 69 |
| Summary of Rights: Fair Debt Collection Practices from the FTC | Page 70-72 |
| Certificate Sample - ICFE Certified Credit Report Reviewer | Page 73 |
| FTC Staff Commentary Introduction of FCRA | Pages 74-88 |
| Full Text of the FCRA with FACTA Amendments | (92 pages) |