Fcra basic - Study guides, Class notes & Summaries
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FCRA Basic Certification - Advanced (Version 1) Exam Questions and Answers
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FCRA Basic Certification - Advanced (Version 1) 
 
True/False: Resellers maintain their own database of information, which they combine with information from other CRA's - Answer- False 
 
Which of the following is a reasonable procedure that a CRA could take to ensure that an end user has a permissible purpose to obtain consumer reports? 
 
A. On site inspection of the end user's place of business 
B. Checking the end user's references 
C. the end user's business license and corpora...
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CIPP/US QUESTIONS AND ANSWERS RATED A+
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CIPP/US QUESTIONS AND ANSWERS RATED A+ Access The ability to view personal information held by an organization. This may be supplemented by allowing updates or corrections to the information. U.S. laws often provide for access and correction when the information is used for any type of substantive decision making, such as for credit reports. 
Americans with Disabilities Act (ADA) Bars discrimination against qualified individuals with disabilities; places restrictions on pre-employment medical sc...
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CIPP/US IAPP exam study guide questions and answers
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Americans with Disabilities Act (ADA) 
Bars discrimination against qualified individuals with disabilities; places restrictions on pre-employment medical screening. 
 
 
 
Consumer Financial Protection Bureau (CFPB) 
Has enforcement power for unfair, deceptive or abusive acts and practices for financial institutions. 
 
 
 
Choice 
The ability to specify whether personal information will be collected and/or how it will be used or disclosed. Choice can be express or implied. 
 
 
 
Common Law 
Le...
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FCRA Basic Certification Exam Questions and Answers
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FCRA Basic Certification 
 
Consumer Report - Answer- Any written, oral, or other communication of any info by a CRA bearing on a consumer's credit worthiness, standing, capacity, character, general reputation, personal characteristics, or mode of living used or expected to be used or collected for establishing consumer's eligibility: 
 
3 Key Elements of a Consumer Report - Answer- 1. By a CRA 
2. Bearing on a consumer's worthiness 
3. Used to establish eligibility 
 
Consumer Reportin...
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FINCERT 2023 Exam With 100% Correct Answers
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It is important to make them feel __________ and __________ - Correct answercomfortable and welcomed 
__________ prompt someone to explore and analyze their emotions and feelings - 
Correct answer-Open-ended question 
__________ collect factual information - Correct answer-Closed-ended question 
Give __________ for responses 
time - Correct answer-time 
Questions should be asked in a ___________________________ way - Correct 
answer-non-judgmental 
It is important to ________________ your mentor...
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CIPP/US exam study guide questions and answers
- Exam (elaborations) • 19 pages • 2024
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Access 
The ability to view personal information held by an organization. This may be supplemented by allowing updates or corrections to the information. U.S. laws often provide for access and correction when the information is used for any type of substantive decision making, such as for credit reports. 
 
 
 
Americans with Disabilities Act (ADA) 
Bars discrimination against qualified individuals with disabilities; places restrictions on pre-employment medical screening. 
 
 
 
Consumer Financ...
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Fincert Texan Smart Exam Questions With 100% Correct Answers.
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Fincert Texan Smart Exam Questions 
With 100% Correct Answers. 
________ is a contractual agreement whereby a borrower receives something of monetary value 
now and agrees to repay the lender at a later date. - answercredit 
Credit addresses what? - answerThe concepts of obtaining and utilizing credit wisely 
True or False: Good credit can take years to establish yet only months to destroy. - 
answertrue 
What is the FCRA? - answerThe Fair Credit Reporting Act 
why is the FCRA important? - answe...
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Property and Casualty Insurance Test Question Notes with 100% Correct Answers
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Property and Casualty Insurance Test Question 
Notes with 100% Correct Answers 
What is a peril? - Correct Answer ️️ -A Peril is a cause of loss 
What is a hazard? - Correct Answer ️️ -Something that increases the chance of a loss 
What is the difference between a Moral hazard and a Morale Hazard? - Correct Answer ️️ 
-Moral Hazard - dishonesty, against the law 
Morale Hazard - carelessness 
What is the method of handling risk that involves a deductible? - Correct Answer ️️ - 
Re...
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Loan Officer: NMLS. Question with 100 % correct answers | Verified | updated
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(Fair and Accurate Credit Transactions Act of 2003) FACTA Purpose is to... - ... address the problem 
of identity theft. To facilitate consumer's access to information retained by the CRAs, and to improve the 
accuracy of consumer reports. 
(FCRA) The National Consumer Assistance Plan (NCAP) aims to... - ...improve consumer 
experience, data accuracy, and quality. 
(HMDA) In addition to originations, reportable HMDA data includes... - - Loan Applications 
- Loan Denials 
- Loan Approvals 
- Loa...
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Property and Casualty Insurance Test Question Notes with 100% Correct Answers
- Exam (elaborations) • 10 pages • 2024
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Property and Casualty Insurance Test Question 
Notes with 100% Correct Answers 
What is a peril? - Correct Answer ️️ -A Peril is a cause of loss 
What is a hazard? - Correct Answer ️️ -Something that increases the chance of a loss 
What is the difference between a Moral hazard and a Morale Hazard? - Correct Answer ️️ 
-Moral Hazard - dishonesty, against the law 
Morale Hazard - carelessness 
What is the method of handling risk that involves a deductible? - Correct Answer ️️ - 
Re...
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