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Credit Reports & Scores: Using Them Legally & Effectively Webinar

August 25, 2010
1:00 p.m. – 2:30 p.m. MST

$159 Webinar Only

$159 CD Only

$179 Webinar and CD

Reading credit reports used to be simple!  However, today’s average credit report is 5-10 pages (depending on the format) and it takes considerable knowledge to digest the information.  It's not what you know, but rather what you don’t know, that can be costly when making loans.

This program will review reports from the “Big 3” National Credit Report Agencies (NCRA) (Experian, Equifax and TransUnion), including the different file formats and several add-on products available through each.  It will also cover the new credit-scoring system being introduced by the “Big 3” that FICO is trying to block, plus key points of the Fair Credit Reporting Agency (FCRA) & Fair & Accurate Credit Transaction Act (FACTA) compliance. 

HIGHLIGHTS

• Experian, Equifax, and TransUnion credit files – which is best for your credit union and why?
• What affects credit scores?
• Scores in a down economy
• What are the strengths and weaknesses of FICO, Emperica, and Beacon?
• “Add-on” products to help you spot fraud on the front end
• Permissible Purpose, ECOA, and your Adverse Action Notice
• Build a better portfolio using scores and red flags during loan review
• Evaluate bankruptcy models to determine what’s right for your credit union
• Accounts receivable scoring – prioritize your efforts and collect accounts sooner
• Reporting your information – Metro2, E-OSCAR, and FACTA compliance
• Using credit reports/scores to prevent fraud when opening checking/share draft accounts
Presenter: Greg Souther, Greg Souther Consulting & Seminars
Greg is President of Greg Souther Consulting & Seminars, a firm that provides training and consulting to businesses in the areas of Service & Communication; Credit & Collections; Fraud & Security; and Marketing & Sales.  Previously, Greg was co–owner and President of The Credit Bureaus of Southeast Georgia, the parent company for six credit reporting and collection agencies based in Brunswick, Georgia. 

In addition, Greg is a former President of Associated Credit Bureaus of Georgia; a former President of Georgia Collectors Association; a former Dean, Trustee, and Instructor of Southern Management Institute; and previously a Certified Instructor for American Collectors Association, Inc.  With over 25 years of training and speaking experience, Greg shares practical, "how to" advice that everyone can easily understand and use in their daily work environment. 

 

 

Get Connected: It’s as easy as 1 - 2 - 3

1. Fill out the information below and submit registration.

2. Prior to the conference, you will receive a special instruction sheet outlining the computer login and telephone dial-in procedures, your password, a specific toll-free telephone number and handout materials.

3. On the day of the conference gather all the attendees around your computer and speakerphone, distribute copies of the handout material, and enjoy the conference.

 

Cancellation/Payment Policy: Substitutions are always welcome. No-shows and cancellations received five days or less prior to the event will be invoiced for the full registration fee. Please do not send payment; your credit union will be billed. Password information and materials will be e-mailed 48 hours prior to the session.

Credit Union Name

City State Zip

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$159.00 Webinar Only, per telephone connection

$159.00 CD Only

$179.00 Webinar and CD