Reading and Understanding Credit Reports

Reading and Understanding Credit Reports

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Have you felt uncertain or confused when looking at a credit report? This course will provide an overview of the different types of credit reports (Business Division and Consumer Disclosure Reports), the Fair Credit Reporting Act (FCRA), and explain where the information on credit reports comes from. We will highlight the different sections of a credit report (personal identifying information, credit history, public records, and inquiries) and discuss important information to be aware of when reviewing a credit report. Finally, the process of how an account becomes a charge-off will be explained before reviewing best practices.

This course is approved for 3 CEU for AFCPE ® Certified Professionals.

Please note: This information is not intended to be legal advice and may not be used as legal advice. Every effort has been made to assure this information is up-to-date. It is not intended to be a full and exhaustive explanation of the law in any area, nor should it be used to replace the advice of your own legal counsel.

Please click on the Pre-training Reading below to begin.

Lessons

Pre-Training Reading

Welcome to Reading and Understanding Credit Reports! Disclaimer:  The information in this course is not intended to be legal advice and may not be used as legal advice. Every effort has [...]

Credit Report Basics

Please review the video recording below to complete this lesson. Video LightBox Close Download Presentation Slides Additional Resources AnnualCreditReport.com for consumer access to free credit reportsView Resource CFPB List of [...]

Understanding the Report in Detail

Please review the video recording below to complete this lesson. Video LightBox Close Download Presentation Slides FAQ: Date of First DelinguencyView See Geneva Smith's full Credit ReportView

Course Completion: Reading and Understanding Credit Reports

Congratulations! You have completed CBA's Reading and Understanding Credit Reports course.  Thank you for your commitment to credit building as a financial capability strategy. AFCPE Course Completion Code: ReadingReports_CBA Please feel [...]