Course Description: 

In the pursuit of closing the housing gap and promoting equal access to homeownership, Realtors® play a crucial role in helping consumers overcome credit barriers. This class on Credit Karma is specifically designed to empower Realtors® with the knowledge and skills to support consumers in navigating credit challenges and achieving their homeownership goals. By focusing on the consumer perspective, Realtors® will learn how to effectively leverage Credit Karma to remove credit barriers and facilitate successful real estate transactions.

This class will equip Realtors® with the knowledge and skills to effectively leverage Credit Karma, analyze credit barriers, and support consumers in overcoming credit challenges.

Learning Objectives:

-   Understand the role and importance of credit reporting agencies in the real estate industry, including their impact on loan eligibility and financing options.

-  Identify the common credit barriers that can hinder consumers' access to homeownership.

-  Gain knowledge of the Electronic Funds Transfer Act (EFTA), the Truth in Lending Act (TILA), the Fair Credit Reporting Act (FCRA), and the Electronic Funds Transfer Act (EFTA)

- Learn the best practices for utilizing Credit Karma effectively as a tool for assessing clients' credit health, analyzing credit reports and scores, and identifying potential risks or red flags that may impact real estate transactions. 

- Learn how to use credit, monitor credit, and improve credit scores.

- Utilize Credit Karma to assess credit reports and scores and identify potential barriers.