FCRA Awareness for CRAs is a newly designed, approximately 23-minute awareness-level course developed to make FCRA training more engaging, practical, and easier for CRA employees to digest. Organized into short, relevant, easy-to-follow sections, the course provides a clear overview of the major FCRA requirements that apply to CRAs and NCRAs, including privacy, transparency, accuracy, and security topics such as permissible purpose, credentialing, file disclosures, disputes, and identity theft protections.
FCRA Awareness for CRAs
Section One: Consumer Reporting Basics
- What is a Consumer Report?
- What is a Consumer Reporting Agency?
- What is a Data Furnisher?
- Nationwide Consumer Reporting Agencies (NCRAs)
- Reseller
- Fair Credit Reporting Act (FCRA)
- Regulators
Section Two: FCRA – Privacy and Transparency
- Privacy
- Permissible Purpose
- Not Permissible Purposes
- Prescreening
- NCRA Responsibilities: Opt Out
- Credentialing
- Recredentialing
- Transparency
- File Disclosures
- Summary of Rights
- Charges for File Disclosures
- NCRA Responsibilities: Free Annual File Disclosure
Section Three: FCRA – Accuracy and Security
- Accuracy
- Data Accuracy
- Obsolete Information
- Medical Debt
- Disputes
- Dispute Investigation
- Disputed Information / Delete or Modify
- Security
- Security Freezes
- Fraud Alerts
- Identity Theft Blocks
- Declined and Rescinded Blocks
- Human Trafficking Blocks
Conclusion
Compliance Teams, Senior Staff, Customer Service Personnel, Legal Staff.
CDIA recommends dividing the course into several sessions. Each time you log in to the site, the system will remember your last position. After completing all assigned training modules, you will gain access to the final FCRA exam. If you choose not to take the exam immediately, you can return to the various training modules to review the training material further.
The final exam is a mixture of “true or false” and multiple-choice questions. Upon completion of the exam, you will receive your score immediately and will have the opportunity to review your exam. Upon successful completion, you will receive a certificate (valid for one year) indicating you are knowledgeable about the FCRA and its provisions. If your attempt at the exam is not successful, but you still wish to earn a certificate, you will need to purchase the course again.
Recommended Browsers
- Windows: Google Chrome (latest version), Firefox (latest version), Internet Explorer 11, Edge (latest version)
- Mac: Safari (latest version), Google Chrome (latest version), Firefox, latest version
- Mobile: Safari in Apple iOS/iPadOS (latest version), Google Chrome (latest version) in Apple iOS/iPadOS (latest version), Google Chrome (latest version) in Android OS 6 or later
Apple iOS
- Articulate Mobile Player in Apple iOS 7 or later on iPad
Android OS
- Articulate Mobile Player in Android OS 4.1 or later (optimized for tablets)
This is a synched audio-visual course (headphones or speakers are needed to take the training). There are no access restrictions by IP addresses; you will be able to access the site from anywhere.
Time Requirement: 23 min.
(depending on knowledge of the FCRA)
$62 for CDIA Members$119 for non-members
Buy NowDISCOUNTED RATES AVAILABLE
| Registrations | Members | Non-members |
|---|---|---|
| 5-9 | $55 | $112 |
| 10+ | $52 | $109 |