Providing mortgage credit reports, related services & technology solutions for over 75 years.



FCRA Compliance Training:
A wise decision for your business.

Access to consumer credit data is critical to your business operations.
As your business continues in this strict regulatory environment, tight compliance with the laws and regulations associated with this data is mandatory for continued access to this vital information your business relies on.

In an effort to help businesses remain compliant with these regulations, the National Credit Reporting Association (NCRA) has developed an FCRA Certification Program. The program was designed for the users of credit reports (employees of mortgage lenders, mortgage brokers, property managers and landlords), to assist them in understanding the various federal laws and credit repository guidelines that regulate their access to credit data.

Terry Clemans, Executive Director of the NCRA, explains: "It is important to note that while certification is not currently mandatory, there have been strong indications from at least one of the national repositories and federal agencies that further education to the laws and advanced training may be required in the near future."

  • How Does The NCRA Certification Program Work?

    Participants in the certification program will be provided with access to a study guide to prepare them to complete NCRA's certification test. A major portion of the test is based on knowledge of the Fair Credit Reporting Act (FCRA), however, the test will also cover areas of the Fair and Accurate Credit Transactions Act (FACTA the 2003 overhaul to the FCRA), the Gramm-Leach-Bliley Act (GLB), the Red Flags Rule, and specific national credit repository requirements that also impact a credit report user's access to consumer credit data. Participants completing the test with a grade of 75 percent or greater will receive a certificate to document their successful completion of the program. Participants may also re-take the test if they are not successful on their 1st attempt.

  • Why Is This Program Important To Me?

    A solid working knowledge of the responsibilities for those who come into contact with consumer credit reports is required by federal law. Any company that is granted access to a consumer's credit report data needs to be sure that those individuals within their organization with access to these reports knows how to properly obtain, store, and dispose of that credit data when the transaction is complete.

  • Can I get all of my employees FCRA Certified?

    Yes; there is no limit to the number of individuals within your organization who may participate in this Program.

  • What Does It Cost For Each Certification?

    Access to the NCRA Certification Program is available through Avantus at absolutely no cost to you.

  • How Do I Get Started?

    The Avantus Team will handle everything. Simply email to get started.