Tell me a question Presented to namenames Presented

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Tell me a question Presented to name/names Presented by Name of Presenter Day/Month/Year

Tell me a question Presented to name/names Presented by Name of Presenter Day/Month/Year

Hello, Goodbye Every Little Thing When information is or is not deleted from a

Hello, Goodbye Every Little Thing When information is or is not deleted from a CR 3 Helter, Skelter Look Up the Number 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 100 100 100 200 200 200 300 300 300 400 400 400 500 500 500 © Experian Listen to What the Man Says Ask Me Why

Hello, Goodbye: 100 This data stays on a credit report indefinitely What are open

Hello, Goodbye: 100 This data stays on a credit report indefinitely What are open accounts with no negative history? 4 4 © Experian 24/11/2020 Private and confidential Presentation Title

Hello, Goodbye: 200 Hard or soft, these stay on a credit report for two

Hello, Goodbye: 200 Hard or soft, these stay on a credit report for two years What are credit inquiries? 5 5 © Experian 24/11/2020 Private and confidential Presentation Title

Hello, Goodbye: 300 Seven is usually a lucky number, but not in credit reporting.

Hello, Goodbye: 300 Seven is usually a lucky number, but not in credit reporting. This point of dereliction determines when seven years begins What is the original delinquency date? 6 6 © Experian 24/11/2020 Private and confidential Presentation Title

Hello, Goodbye: 400 Delinquent—then sold to a third party, these stay for 7 years

Hello, Goodbye: 400 Delinquent—then sold to a third party, these stay for 7 years What are collection accounts? 7 7 © Experian 24/11/2020 Private and confidential Presentation Title

Hello, Goodbye: 500 In this case, 7 and 11 equals 10 How many years

Hello, Goodbye: 500 In this case, 7 and 11 equals 10 How many years do bankruptcies stay on a credit report? Experian policy removes Chapter 13 at 7 years from filing. 8 8 © Experian 24/11/2020 Private and confidential Presentation Title

Every little thing: 100 Gross or net, it is not included in a credit

Every little thing: 100 Gross or net, it is not included in a credit report What is income? 9 9 © Experian 24/11/2020 Private and confidential Presentation Title

Every little thing: 200 Frequently misunderstood, this tally is not part of a credit

Every little thing: 200 Frequently misunderstood, this tally is not part of a credit report What is a credit score? 10 10 © Experian 24/11/2020 Private and confidential Presentation Title

Every little thing: 300 Not a good sign, these are collected from federal, state,

Every little thing: 300 Not a good sign, these are collected from federal, state, county and local courts and posted in your credit report What are public records? 11 11 © Experian 24/11/2020 Private and confidential Presentation Title

Every little thing: 400 The second most important factor in credit scores, this is

Every little thing: 400 The second most important factor in credit scores, this is how much of available revolving credit is being used What is utilization? 12 12 © Experian 24/11/2020 Private and confidential Presentation Title

Every little thing: 500 Including this previously excluded housing information, has helped millions establish

Every little thing: 500 Including this previously excluded housing information, has helped millions establish credit What is rent payment history? 13 13 © Experian 24/11/2020 Private and confidential Presentation Title

Helter, Skelter: 100 A credit report request for employment purposes requires the consumer to

Helter, Skelter: 100 A credit report request for employment purposes requires the consumer to provide this What is written permission? 14 14 © Experian 24/11/2020 Private and confidential Presentation Title

Helter, Skelter: 200 This decree does not alter joint obligations to creditors What is

Helter, Skelter: 200 This decree does not alter joint obligations to creditors What is a divorce? 15 15 © Experian 24/11/2020 Private and confidential Presentation Title

Helter, Skelter: 300 Not our fault— these folks make the decision to grant or

Helter, Skelter: 300 Not our fault— these folks make the decision to grant or not grant credit Who are the creditors or lenders? 16 16 © Experian 24/11/2020 Private and confidential Presentation Title

Helter, Skelter: 400 Fair or not, when your name is on this type of

Helter, Skelter: 400 Fair or not, when your name is on this type of account you are responsible for the bill What is a joint account? 17 17 © Experian 24/11/2020 Private and confidential Presentation Title

Helter, Skelter: 500 This letter tells a consumer they were denied credit based on

Helter, Skelter: 500 This letter tells a consumer they were denied credit based on the information in their credit report What is an adverse action notice? 18 18 © Experian 24/11/2020 Private and confidential Presentation Title

Look up the number: 100 A “good one” is determined by lenders, not the

Look up the number: 100 A “good one” is determined by lenders, not the credit reporting companies What is a good credit score? 19 19 © Experian 24/11/2020 Private and confidential Presentation Title

Look up the number: 200 A poor credit history could cause these numbers to

Look up the number: 200 A poor credit history could cause these numbers to be higher for the borrower What are interest rates and fees? 20 20 © Experian 24/11/2020 Private and confidential Presentation Title

Look up the number: 300 Forty-five is the most we get when asked for

Look up the number: 300 Forty-five is the most we get when asked for help How many days are allowed to process a credit dispute? 21 21 © Experian 24/11/2020 Private and confidential Presentation Title

Look up the number: 400 Approximately 40% consists of this record of yore What

Look up the number: 400 Approximately 40% consists of this record of yore What is payment history? 22 22 © Experian 24/11/2020 Private and confidential Presentation Title

Look up the number: 500 A request during this period yields a free credit

Look up the number: 500 A request during this period yields a free credit report from Experian What is once every 12 months? 23 23 © Experian 24/11/2020 Private and confidential Presentation Title

Listen to what the man says: 100 Enacted in 1970, this law specifies who

Listen to what the man says: 100 Enacted in 1970, this law specifies who may access a consumer’s credit report What is the Fair Credit Reporting Act (FCRA)? 24 24 © Experian 24/11/2020 Private and confidential Presentation Title

Listen to what the man says: 200 While identity thieves might be charged with

Listen to what the man says: 200 While identity thieves might be charged with a crime, the FRCA requires victims to be charged this for a file disclosure What is nothing? 25 25 © Experian 24/11/2020 Private and confidential Presentation Title

Listen to what the man says: 300 Consumers who find inaccuracies in a report

Listen to what the man says: 300 Consumers who find inaccuracies in a report are allowed, by law, to do this What is file a dispute? 26 26 © Experian 24/11/2020 Private and confidential Presentation Title

Listen to what the man says: 400 This federal agency enforces the FCRA What

Listen to what the man says: 400 This federal agency enforces the FCRA What is the Consumer Financial Protection Bureau (CFPB)? 27 27 © Experian 24/11/2020 Private and confidential Presentation Title

Listen to what the man says: 500 Best known for requiring a free annual

Listen to what the man says: 500 Best known for requiring a free annual report, fraud protection may have been a more important element of this law What is the Fair and Accurate Credit Transactions Act (FACT Act or FACTA)? 28 28 © Experian 24/11/2020 Private and confidential Presentation Title

Ask me why: 100 A victim of identity theft is entitled to this What

Ask me why: 100 A victim of identity theft is entitled to this What is a free credit report? 29 29 © Experian 24/11/2020 Private and confidential Presentation Title

Ask me why: 200 Under the FCRA, consumer reporting agencies must do this to

Ask me why: 200 Under the FCRA, consumer reporting agencies must do this to inaccurate, incomplete or unverifiable information What is remove or correct? 30 30 © Experian 24/11/2020 Private and confidential Presentation Title

Ask me why: 300 This is by far the most common reason a report

Ask me why: 300 This is by far the most common reason a report is procured What is opening a new credit account or offering credit? 31 31 © Experian 24/11/2020 Private and confidential Presentation Title

Ask me why: 400 Underwriters in this industry may use credit reports to assess

Ask me why: 400 Underwriters in this industry may use credit reports to assess risk What is insurance? 32 32 © Experian 24/11/2020 Private and confidential Presentation Title

Ask me why: 500 This official ruling by a judge gives others access to

Ask me why: 500 This official ruling by a judge gives others access to a credit report What is a court order? 33 33 © Experian 24/11/2020 Private and confidential Presentation Title

Double It! Decide how many of the points you already have you wish to

Double It! 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! 34 34 © Experian

Double It! Decide how many of the points you already have you wish to

Double It! 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! 35 35 © Experian

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