Credit, Collections, and Compliance Are you looking for better more efficient ways to establish and manage new business? We provide practical solutions that will help you streamline the process and eliminate waste. We will review, update, and/or help you establish and implement effective policies and procedures that everyone can easily follow. Please click on the title of the programs below to view each program's objectives. We can help you:  Understanding the principles of lending.  Taking the credit application and credit investigation.  Complying with federal and state laws.  Reviewing credit factors.  Reading credit reports and which are best.  Credit analysis-Approve and close or decline and comply.  Adverse action notices.  Reporting your information to all three of the national    consumer reporting agencies.  Calling slow pays and collecting the money.  Establishing credit scoring thresholds and monitoring    results.  Customer Relations and Selling Products your customers    need.  Adverse action notices.  And much more. Complying with the Fair Credit Reporting Act and the FACT Act - Anyone that obtains or uses consumer credit information for establishing credit, verifying identification information, hiring new employees, reporting consumer paying habits, collecting past due accounts, marketing, and/or skip tracing, must comply with the Fair and Accurate Credit Transaction Act. Make sure you and your staff are in compliance! Click on the title above to view the bullet points! Complying with the Fair Debt Collection Practices Act (FDCPA) - For anyone using a third party to collect past due consumer accounts. Collection Agencies and Attorneys are regulated by Public Law (95-109). Learn why many feel everyone collecting should follow this law’s guideline. Attend this program and review the legal requirements of collecting under this federal law. Click on the title above to view the bullet points! * Updated to include FACTA Red Flag Compliance Credit, Collection, & Compliance - Lenders offer credit in order to expand their customer base and out-perform the competition. However, if an organization is too tight on the lending side, the bank suffers. If the organization cannot collect their receivables in a timely manner, then the bank suffers. This program examines the systems used to extend credit and collect receivables. These internal checks and balances needed to drastically improve the bottom-line include fraud prevention, bankruptcy prevention, and compliance. * Updated to include FACTA & FDCPA Compliance. Click on the title above to view the bullet points! Credit Reports, Credit Scores, & Preventing Application Fraud - From taking the credit application, pulling a credit report to understanding and using credit scores, we will examine the fine points of crucial lending requirements in today's economy. Preventing fraud is one of the key components of this program. We will examine steps you can take to catch fraudsters on the front end and mitigate loss. Also, we will take time to review all three of the National Credit reports, Experian, Equifax and Trans Union their different formats and many of their add on products. Every lender and CSR can benefit from this program. Click on the title above to view the bullet points! * Updated to include FACTA Red Flag Compliance Successful Consumer and Commercial Collections - We understand that managing collection efforts during a difficult market requires strong collection skills and knowledge of what you can and cannot do when contacting and negotiating payment with your customers. Additionally, identifying loans before that become delinquent also requires the staff to have the necessary systems and processes in place that will help them identify the suspect delinquent customers and accounts. This seminar will provide you with best practices designed to help you and the customer minimize the risk associated with delinquent accounts. Click on the title above to view the bullet points! ** Includes Fair Credit Reporting Act (FCRA) / Fair & Accurate Credit Transaction Act (FACTA) & Fair Debt Collection Practices Act (FDCPA) Compliance "I have seen direct improvement in our Accounts Receivable as a result of your seminar. Since the seminar, I have collected approximately $30,000 using your tips & phone techniques." - Michael Ware, Medike -

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