All Things Credit: Understanding Consumer Credit Reports, Credit Scores, Preventing Fraud & FCRA/CFPB Compliance – Part 2

A two-part webinar designed to prevent fraud and help ensure regulatory compliance in lending.

Part 2 reviews reports from the BIG 3 National Credit Report Agencies (NCRA), the different file formats and add-on products available. Reading credit reports used to be simple. Today the average credit report is 5 to 10 pages, and it takes a college degree to diagnose the information. We will also review a generic report commonly used in mortgage lending and Commercial Reports from D&B, Experian, and Equifax; and, of course all things FCRA and FACTA. This session is good for new lenders.


  • Reviewing different “Credit Files” from Experian, Equifax, and Trans Union
  • Reviewing Dual-Merge and Tri-Merge credit reports
  • Permissible Purpose, & pulling credit reports
  • The Big 3 pros and cons – Experian, Equifax, and Trans Union
  • File-Comparisons to help determine the best report for your area!
  • Using the right credit report will help you make better loans
  • Which credit files make debt to income comparisons easier?
  • Using enhanced credit reports for collection and skip tracing purposes
  • Using credit reports to open deposit accounts instead of ChexSystems
  • Using consumer credit reports for employment purposes
  • Overview of reporting your consumer data:
    • Why you should report your data?  When you shouldn’t?
    • METRO2
    • EOSCAR
    • ECOA
    • Compliance


Lenders, branch managers, CSRs, HR, compliance officers, risk officers, collectors and  trainers.


Greg Souther, Greg Souther Consulting.

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2.5 hrs./session CRCM/CLBB/CPB/CCSR.


Live Webinar:

Member price: $265.00 | Non member price $530.00

On-Demand Webinar

Member price: $280.00 | Non member price $560.00


Online: Visit the CBA Webinar Catalog

Mail: Click here and mail completed form with check payable to ConferenceEdge to: (Mail at least 10 days prior to event)

4434 W. 29th St., Denver, CO  80212

Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)

Please Note:

  • Preferred Payment Method: Online
  • Please register online or by phone when paying with a credit card
  • Payment Must Accompany Registration – Invoices are Not Provided

Register online up to day of event. Earlier registration allows time to check your computer for an optimal experience.