ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

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ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

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ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

ICFE Certified Credit Scoring Specialist

ICFE Certified Credit Scoring Specialist ™ 

CCSS is a registered trademark of the Institute of Consumer Financial Education (ICFE), San Diego, CA

Introduction

The ICFE's CCSS 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, credit scoring and how to maintain a high score.  With the birth, in 2012, of the Consumer Financial Protection Bureau (CFPB) which took over the enforcement of the FCRA/FACTA laws from the FTC. The CFBP is monitoring credit scoring and examining differences in credit scores purchased by consumers and  those purchased by creditors, for example.  This CCSS program is designed to enlighten participants to the side of credit scoring not often seen by the public.

CCSS 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,  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. Credit scoring is based in large part on these credit files and their accuracy is paramount to obtaining the highest credit scores possible. 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 Scoring Specialists (CCSS)  learn what the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transaction Act  (FACTA) have to say about credit scoring.  They have learned how credit reports are structured by the credit reporting agencies.  They have also learned about the history of credit scoring and the different credit model used by lenders.  This important aspect in the training is about how credit scoring models are created.

More people are now becoming aware of the importance of looking at their credit files, especially because of recent headline news stories about the effects of credit scoring which often results in lower credit costs.

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 CCSS 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 CCSS's course learning goals and objectives?

1. Identify methods of access to credit reports, free and otherwise.

2. List common credit terms and define key credit differences.

3. Identify information used in calculating credit scores.

4. Recognize how consumer behaviors affect credit scores.

5. Review a credit report for mistakes and missing information.

6. Identify methods for credit file correction of mistakes and missing information.

7. How to report inaccurate information on a report to CRAs.

8. List the components of a credit score.

9. Recognize the impact of consumer behavior on credit files.

10. Identify methods consumers can use to improve their credit score.

11. Recognize privacy laws and their impact on credit lenders and borrowers.

12. Identify potential identity theft using a credit report and information provided in a credit application.

13. Review the Consumer Financial Protection Bureau and the Federal Trade Commission Resources for consumers.

14. Communicate key components of credit reports to consumers.

15. How to use the legal system to effect changes on a credit report.

Image result for enroll now button

ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

 Who Is Enrolling In This Valuable
ICFE
C
CSS Certification Program and earning CE's?

CFP, CLU-ChFC, RFC, CPA, Notaries, Credit and Debt Counselors
Bank, Credit Union & Student Lenders
Military Personal Financial Counselor
Employee Benefits Administrators
Mortgage Lenders and Real Estate Agents
In-house Collection and Recovery Counselors
Faith Based Credit and Financial Counselors
Bankruptcy and Financial Education Instructors
First-time Home Buyer Advocates-Counselors

ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

Why Become a CCSS?
Here's some of the reasons why people are becoming an ICFE Certified Credit Scoring Specialist:

Becoming certified by the ICFE makes a difference to your clients, your company and yourself
and is a manifestation of your commitment to high standards of professionalism aimed at
your employer, your colleagues, your clients and the general public.

Demonstrate your professional qualifications.
Enhance your experience in the field and promote your professional value.
 
Learn about the new Consumer Financial Protection Bureau (CFPB)
Stay current with the FCRA/FACTA law and other financial education trends.
Fulfill continuing education (CE) and PACE requirements.
The International Association of Registered Financial Consultants accepts this for 5 CEUs.
The CFP Board of Standards and Practices accepts this program for 5 CEUs for CFPs.
CCSS has been approved by the International Association of Privacy Professionals - IAPP for up to 20 group B, professional development, credits..

*Accepted for 15 PDUs from the American Assn. of Family & Consumer Sciences
National Assn. of Certified Credit Counselors (NACCC) awards its members eight CEUs.

Association For Financial Counseling and Planning Education (AFCPE.org) 5 CEUs.

NEW:  Extra Benefit: Earn a listing in the ICFE's online International  Directory of CCSS Certificants
 

ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

About reviewing credit scores

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 CCSS™ 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 CEUs 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 CCSS™ training? If you said yes, please read on.

The entire ICFE CCSS™ 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.

ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.


Here is what's included in the
ICFE CCSS™ enrollment package: 
 
ICFE CCSS™ Independent Study Guide  - FCRA/FACTA
ICFE CCSS™  Independent Study Guide Table of Contents
(Click Here to View the CCSS Table of Contents)

ICFE CCSS™ 100 Question Examination/Answer Sheet - FCRA/FACTA
100 question exam - 80 correct answers required 

One ICFE Do-It-Yourself Credit File Correction Guide
 

ICFE Certificate with ICFE Seal "Certified Credit Scoring Specialiast - CCSS™

Benefit: Earn a listing in the ICFE's online Directory of CCSS™

 ICFE eNEWS and regular email updates

 

Enrollment in ICFE CCSS™ Program                        $375.00

Less Publisher's Discount (good thru 06-15-2015)                                   ($76.00)

Net Cost per enrollment                                                $299.00
(INCLUDES Priority Mail postage)


Special Pricing!  
Multiple Enrollment Savings of $25 each. (2 or more enrollments at same time)
 

ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

 ICFE CCSS™ Independent Study Guide

 ICFE CCSS™ 100 Question Examination

ICFE Credit File Correction Guide

Personalized ICFE CCSSS™ Certificate with the ICFE CCSS™ seal

ICFE CCSS™ Independent
Study Guide

ICFE CCSS™ 100
Question Examination

 
One Each ICFE Credit File Correction Guide Personalized ICFE CCSSS™ Certificate with the ICFE CCSS™ seal

 

Code of Ethics for ICFE Certificants Code of Ethics for ICFE Certificants

ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

Immediately order your own credit reports. In about a week, you will receive your ICFE Independent Study Guide
for your
CCSS™ Certification, the Examination and the ICFE's Do-It-Yourself Credit File Correction Guide.
Complete at your own pace, using your credit reports as you progress.

Lastly, 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 the ICFE to get your grade and Certificate.

To Order Financial Education Books, DVDs, and Software:
Click Here for Order Options (Online, Fax, Phone)
California residents add 8.00ales tax
Visa, MasterCard or American Express Accepted
call 619-239-1401 fax 619-923-3284 OR send check or money order to:
Institute of Consumer Financial Education
P.O. Box WWW-34070
San Diego, CA 92163-4070
Printable Order Form
Note: The Institute of Consumer Financial Education does not make names available to third parties
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Institute of Consumer Financial Education
PO Box 34070
San Diego, Ca 92163
Paul S. Richard, Executive Director
Phone 619-239-1401

FAX 619-923-3284

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