Confirming the consumers First and Last name (and middle, Jr. Sr etc.) if available is an example of this?
What is Verifying RPC
100
Disputes can occur when?
What is Inside or Outside validation
100
You should integrate this into All Consumer Interactions?
What is the Consumer Bill of Rights (CBOR)
100
You should add this warning code when the consumer is represented by an attorney?
What is 125
100
If an account is reported as a collection account, what report code will you see in the Bureau Status Report Window in GUI?
What is 93
200
Along with your first and last name, this must also be included when introducing yourself to the consumer?
What is Your Job Title
200
What state is the exception when Inside Validaton (45 days or less)?
What is New York
200
You should commit to engaging in dialogue that is?
What is Respectful and Constructive
200
The 500 warning code is used when the consumer is this?
What is In the process of filing bankruptcy (BK), but no attorney
200
If an account is reported as Paid in Full, what report code will you see in the Bureau Status Report Window in GUI?
What is 62
300
These two items must be stated before providing the Creditors name or account balance?
What is Mini miranda and Debt Collection Company (MM, DCC)
300
“When was the account opened?” “What was the last date of the payment?” “What was the charge off date?” “Do you recall any of these details?” Are examples of questions you should ask when the consumer is claiming what?
What is Fraud/ID Theft
300
Be Polite and use what?
What is All the Manners your learned growing up
300
If the consumer is in the process of filing BK and has an attorney you should add what warning code(s)
What is 125 & 500
300
You cannot make any statements regarding the impact of the Credit Bureau reporting because the account is not yet reported during this?
What is The validation period
400
Disclosing the original creditors name and full and correct balance is an example of this?
What is Establishing Rapport
400
Copies of statements showing account balance dated after charge off date should be requested when the consumer is claiming what?
What is Incorrect balance
400
"I am here to help.” “I want to partner with you to help find a solution that works for you.” “I really want to help you get this resolved." are used when you are trying to communicate what?
What is A willingness to help
400
If the consumer has filed bankruptcy (BK) you should include in the Add COMM box Documentation, the attorney name, phone number, date filed, chapter and this?
What is the state case number
400
When asked, "Will this improve my credit?" or "Will this help my credit?" you should respond with what?
What is "I cannot comment on how this will affect your credit."
500
MCM policy mandates this number of requirements must occur when communicating with any contact or RPC?
What is 6
500
If XF does not appear, what warning code should be added to the account?
What is 050
500
Listen, Acknowledge, Paraphrase, Probe and Motivate are examples of this?
What is Listening Reflectively
500
When the consumer is requesting contact by mail only, you should use this warning code?
What is 222
500
You should not do what with any of the scripts provided?