CE: Understanding Credit

Join credit expert Stephen Robert of Bedrock Credit America for an in-depth look at how credit impacts real estate transactions and how Realtors can confidently guide clients through credit-related challenges. This course covers the fundamentals of credit and credit scores, how to interpret credit reports, and the critical role credit plays in both buying and selling property. You’ll learn practical strategies to help clients improve credit readiness, understand lender expectations, and navigate common obstacles.

Topics include:

• Credit basics, terminology, and the role of major credit bureaus
• How to read and explain credit reports to clients
• What makes a strong credit score and how it affects mortgage approvals
• Ethical and legal considerations, including the Fair Credit Reporting Act
• Real-world case studies and upcoming credit model changes (FICO 10T, Vantage 4.0)

Walk away with the tools to educate and empower your clients, while managing risk with confidence.

Instructor: Stephen Robert

3 Continuing Education Credits