Institute of Consumer
Financial Education
Institute of Consumer
Financial Education

Certified Credit Report Reviewer - CCRR®

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Introduction

ICFE The ICFE's Certified Credit Report Reviewer - CCRR® program is the nation's only comprehensive training and certification specifically developed for credit industry professionals who are dedicated to educating and assisting consumers, clients, customers, businesses, and the general public in credit reporting and credit scoring plus how to maintain a good report and keep a high score. With the birth of the Consumer Financial Protection Bureau (CFPB) in 2012, it took over the enforcement of the FCRA/FACTA laws from the FTC. It led to the course and exam questions being completely revised and updated as of May 2015.
Certified Credit Report Reviewer - 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's command financial specialists, 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 - CCRR® will learn Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transaction Act (FACTA). They will learn how to read and understand their own credit reports and those of others. They also will learn 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 CCRR® training is about credit scores; maintaining them or increasing them, which often results in lower credit costs. More Americans are 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.

What are the ICFE's Certified Credit Report Reviewer - CCRR® course learning goals and objectives?

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Who Is Enrolling In This Valuable CCRR® Certification Program and earning CE's?

Click here to view a partial list of companies represented by current CCRRs®

View News Release!

Specialized Credit Report Reviewer and ID Theft Risk Management Credentials from ICFE Set New Standard

Why Become a Certified Credit Report Reviewer – CCRR®?

Here are some of the reasons why people are getting ICFE certified

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.

Here is what's included in the ICFE CCRR® enrollment package

Enrollment in ICFE CCRR® Program - $375.00
Look! Multiple Enrollment Savings of $25 each. (2 or more enrollments at same time)
CCCR Independent Study Guide
ICFE CCRR
Independent Study Guide
CCCR Exam
ICFE CCRR
100-Question Examination
Credit File Correction Guide
ICFE Credit File
Correction Guide
CCCR Certificate
ICFE CCRR Certificate
CCRR CD
Toolbox CD

About the Credit Report Review Service

As an ICFE Certified Credit Report Reviewer - CCRR® 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, is $20 and your cost is $12 or below, subject to quantity. The suggested fee is $50-$75 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 $75-$150 including the ICFE Do-It-Yourself Credit File Correction Guide.

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What is my next step? Immediately order your own credit reports.

In about a week, you will receive your ICFE Certified Credit Report Reviewer - CCRR® Independent Study Guide (ISG) and the CCRR® ISG Examination and the ICFE's Do-It-Yourself Credit File Correction Guide. Complete the course of study at your own pace, using your credit reports as you progress. 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: icfe@twc.com to get your grade, CE confirmation and your personalized CCRR® Certificate with the gold CCRR® seal thereon.