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    2017 Consumer Credit Data Reporting Outlook: METRO2, E-OSCAR, & FCRA/FACTA/CFPB Compliance

    $219.00
    Reading consumer credit reports used to be simple! Today, with the average credit report exceeding 7 pages in length, it practically takes a forensics degree to decipher the data and material therein. Fear not, valiant banker, credit union staffer, or consumer! We'll help you become fluent in the language of credit reports faster than you can say, "Experian, Equifax, and Trans Union" (the BIG 3 National Credit Report Agencies (NCRAs). During this session we will analyze consumer credit reports from the NCRAs. We will review the different file formats of these reports, as well as the best add-on products available through each NCRA. We will discuss the differences in the credit report and scores that the consumer receives from an NCRA versus- the credit reports and scores that are used by your FI. Further, we will discuss issues related to credit scores and identity theft, as well as discussing red flags that will help you spot and prevent identity fraud. This session will also cover the CFPB studies that compelled the Fair Isaacs Company to rework their credit scoring models—a decision that affects every MODEL your FI will purchase from these agencies. Likewise, we'll examine how consumer fraud can be avoided at the beginning of the application process. And, of course, this program will take an exhaustive look at the myriad of issues related to the FCRA (Fair Credit Reporting Act), FACTA (Fair and Accurate Credit Transaction Act) amendment, and the CFPB (Consumer Financial Protection Bureau) rulings on creditor compliance. This 90-minute session is an invaluable resource for new and seasoned lenders, as well as an exceptional training tool for Customer Service Representatives who rely on consumer credit reports to open direct deposit accounts (DDA), consumer accounts, and commercial accounts.

    2017 Credit Reports Checklist: Credit Scores, Preventing Application Fraud, & the Latest CFPB Supervisory Highlights!

    $219.00
    Reading consumer credit reports used to be simple! Today, many credit reports exceed 7 pages in length. It practically takes a forensics degree to decipher the data therein. Fear not, Greg will help you become fluent in the language of credit reports faster than you can say, "Experian, Equifax, and Trans Union" (the BIG 3 National Credit Report Agencies (NCRAs). In their latest Supervisory Highlight, the CFPB released an update on Credit Reports. During this session we will analyze consumer credit reports from the NCRAs. We will review the different file formats of these reports, as well as the best add-on products available through each NCRA. We will discuss the differences in the credit report and scores that the consumer receives from an NCRA versus- the credit reports and scores that are used by your FI. Further, we will discuss issues related to credit scores and identity theft, as well as discussing red flags that will help you spot and prevent identity fraud.

    Credit Scores Demystified: Unraveling FICO & Understanding Credit Risk Factors & the July Changes

    $219.00
    When you register for this program you will receive a complimentary Credit Scores Learning Workbook. Let’s face it, for many people credit scores are a mystery. Why does one consumer have a 700+ FICO with late payments and past collections when another consumer’s score, with clean payment history is 50 points lower? And why is the credit score we just pulled for a consumer so much different than the one they received this month from their credit card company? If you have these questions too you are not alone. In this course we are going to dive as deep as we can in an hour and one half, to unravel the mystery behind the FICO credit score. The information provided is invaluable which every employee who works with credit reports and consumers should have.

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