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Tell me a question Presented to name/names Tell me a question Presented to name/names

Tell me a question Presented to name/names - PowerPoint Presentation

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Uploaded On 2019-01-30

Tell me a question Presented to name/names - PPT Presentation

Presented by Name of Presenter DayMonthYear Hello Goodbye Every Little Thing Helter Skelter Look Up the Number Listen to What the Man Says Ask Me Why When information is or is not deleted from a CR ID: 748936

confidential private title presentation private confidential presentation title credit 2016 report 500 400 300 200 100 number man points listen skelter helter

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Presentation Transcript

Slide1
Slide2

Tell me a question

Presented to name/names

Presented by Name of Presenter

Day/Month/YearSlide3

Hello, Goodbye

Every Little Thing

Helter, Skelter

Look Up the Number

Listen to What the Man Says

Ask Me Why

When

information is or is not deleted from a CR

What you will and will

not find in a CR

CR

myths

Credit scores and other CR related numbers

CR laws

Permissible reasons to obtain a CR

100

100

100

100

100

100

200

200

200

200

200

200

300

300

300

300

300

300

400

400

400

400

400

400

500

500

500

500

500

500Slide4

This data stays on a credit report indefinitely

Hello, Goodbye: 100

14/12/2016

Private and confidential Presentation Title

4

What are open accounts with no negative history?Slide5

Hard

or soft, these stay on a credit report for two years

Hello, Goodbye: 200

14/12/2016

Private and confidential Presentation Title

5

What are credit inquiries?Slide6

Seven is usually a lucky number, but not in credit reporting. This point of dereliction determines when seven years begins

Hello, Goodbye: 300

14/12/2016

Private and confidential Presentation Title

6

What is the original delinquency date?Slide7

Delinquent—then sold to a third party, these stay for 7 years

Hello, Goodbye: 400

14/12/2016

Private and confidential Presentation Title

7

What are collection accounts?Slide8

In this case, 7 and 11 equals 10

Hello, Goodbye: 500

14/12/2016

Private and confidential Presentation Title

8

How many years do bankruptcies stay on a credit report?

Experian policy removes Chapter 13 at 7 years from filing.Slide9

Gross or net, it is not included in a credit report

Every little thing

: 100

14/12/2016

Private and confidential Presentation Title

9

What is income?Slide10

Frequently misunderstood, this tally is not part of a credit report

Every little thing: 200

14/12/2016

Private and confidential Presentation Title

10

What is a credit score?Slide11

Not a good sign, these are collected from federal, state, county and local courts and posted in your credit report

Every little thing

: 300

14/12/2016

Private and confidential Presentation Title

11

What are public records?Slide12

The second most important factor in credit scores, this is how much of available revolving credit is being used

Every little thing

: 400

14/12/2016

Private and confidential Presentation Title

12

What is utilization?Slide13

Including this previously excluded housing information, has helped millions establish credit

Every little thing

: 500

14/12/2016

Private and confidential Presentation Title

13

What is rent payment history?Slide14

A

credit report request for employment purposes requires the consumer to provide this

Helter,

Skelter

: 100

14/12/2016

Private and confidential Presentation Title

14

What is written permission?Slide15

This

decree does not alter joint obligations to creditors

Helter,

Skelter

: 200

14/12/2016

Private and confidential Presentation Title

15

What is a divorce?Slide16

Not our fault— these folks make the decision to grant or not grant credit

Helter,

Skelter

: 300

14/12/2016

Private and confidential Presentation Title

16

Who are the creditors or lenders?Slide17

Fair or not, when your name is on this type of account you are responsible for the bill

Helter,

Skelter

: 400

14/12/2016

Private and confidential Presentation Title

17

What is a joint account?Slide18

This letter tells a consumer they were denied credit based on the information in their credit report

Helter,

Skelter

: 500

14/12/2016

Private and confidential Presentation Title

18

What is an adverse action notice?Slide19

A “good one” is determined by lenders, not the credit reporting companies

Look up the number

: 100

14/12/2016

Private and confidential Presentation Title

19

What is

a good credit score?Slide20

A poor credit history could cause these numbers to be higher for the borrower

Look up the number

: 200

14/12/2016

Private and confidential Presentation Title

20

What are interest rates and fees

?Slide21

Forty-five is the most we get when asked for help

Look up the number

: 300

14/12/2016

Private and confidential Presentation Title

21

How many days are allowed to process a credit dispute?Slide22

Approximately 40% consists of this record of yore

Look up the number

: 400

14/12/2016

Private and confidential Presentation Title

22

What is payment history?Slide23

A

request during this period yields a free credit report from Experian

Look up the number

: 500

14/12/2016

Private and confidential Presentation Title

23

What is once every 12 months?Slide24

Enacted in 1970, this law specifies who may access a consumer’s credit report

Listen to what the man says

:

1

00

14/12/2016

Private and confidential Presentation Title

24

What is the Fair Credit Reporting Act (FCRA)?Slide25

While

identity thieves might be charged with a crime, the FRCA requires victims to be charged this for a file disclosure

Listen to what the man says

: 200

14/12/2016

Private and confidential Presentation Title

25

What

is nothing?Slide26

Consumers who find inaccuracies in a report are allowed, by law, to do this

Listen to what the man says

: 300

14/12/2016

Private and confidential Presentation Title

26

What

is file a dispute?Slide27

This

federal agency enforces the FCRA

Listen to what the man says

: 400

14/12/2016

Private and confidential Presentation Title

27

What is the Consumer Financial Protection Bureau (CFPB)?Slide28

Best known for requiring a free annual report, fraud protection may have been a more important element of this law

Listen to what the man says

: 500

14/12/2016

Private and confidential Presentation Title

28

What is the Fair and Accurate Credit Transactions Act (FACT Act or FACTA)?Slide29

A victim of identity theft is entitled

to

this

Ask me why

:

100

14/12/2016

Private and confidential Presentation Title

29

What is a free credit report?Slide30

Under

the FCRA, consumer reporting agencies must do this to inaccurate, incomplete or unverifiable information

Ask me why

: 200

14/12/2016

Private and confidential Presentation Title

30

What is

remove or correct?Slide31

This

is by far the most common reason a report is procured

Ask me why

: 300

14/12/2016

Private and confidential Presentation Title

31

What is opening a new credit account or offering credit?Slide32

Underwriters

in this industry may use credit reports to assess risk

Ask me why

: 400

14/12/2016

Private and confidential Presentation Title

32

What is

insurance?Slide33

This

official ruling by a judge gives others access to a credit report

Ask me why

: 500

14/12/2016

Private and confidential Presentation Title

33

What is a

court order?Slide34

Double It!

34

Decide how many of the points you already have you wish to wager.

If

you get the question correct, you will earn double the points you

wagered.

If

you get the question incorrect, you will lose the points you wagered

. Good luck!Slide35

Double It!

35

Decide how many of the points you already have you wish to wager.

If

you get the question correct, you will earn double the points you

wagered.

If

you get the question incorrect, you will lose the points you wagered. Good luck!Slide36