This program, presented by Lawline faculty Daniel Shlufman, teaches attorneys about the various federal laws relating to credit reports and credit reporting. Daniel discusses the practical aspects of these laws as they relate to mortgage financing as well as gives attorneys insights into how credit generally and credit scores specifically affect their clients’ ability to obtain financing for the purchase of a residential property. Finally, this course provides information on the ways that attorneys can assist their clients in repairing their credit to enable them to purchase a home.
I. Define credit and credit reporting
II. Gain familiarity with the various credit reporting agencies
III. Recognize the Federal Laws affecting your client's credit including:
- Fair Credit Reporting Act (FCRA)
- Fair and Accurate Credit Transactions Act
IV. Comprehend the key issues pertaining to your client's credit scores including:
- FICO score and mortgage
- Credit Scoring Models
- Impacts of Credit Scores
V. Repair problems and avoid future ones for your client
Daniel M. Shlufman, Esq. is a managing director of Classic Mortgage, LLC. At Classic, Dan both originates loans in New York and New Jersey and oversees the overall origination process. Dan has also been a practicing real estate attorney in New York since 1989. His practice concentrates in the purchase, sale and financing of homes, condominiums, cooperatives and small commercial properties.
Prior to joining Classic in June 2012, Dan was the President and General Counsel of FCMC Mortgage Corp. a high-end, boutique mortgage brokerage company from 1995-2012. At FCMC, Dan was in charge of operations and all regulatory and legal matters.
Dan has also lectured on cooperative and mortgage financing and chaired Continuing Legal Education programs on these subjects for the New York State Bar Association, the Practicing Law Institute and lawline.com. His most recent courses were: Regulation Z, Loan Office Compensation and Anti-Steering (2011); Complying with Mortgage Lending Laws (2011); Dodd-Frank and its Affect on Mortgage Financing (2010) and RESPA and NY Banking Law Changes Affecting Real Estate Closings (2010)
In addition to Dan’s business activities, he is a vice president of Jewish Federation of Northern New Jersey; a member of their Executive Committee and Board of Trustees. He is also a member of the Boards of the Professional Business Networking Association and the New Jersey Business Assembly.
Dan graduated from the New York University School of Law with a J.D. degree in 1989.
He graduated from The State University of New York at Binghamton with a B.A. degree in 1986.
Great course, knowledgeable speaker!
Extremely practical and well structured.
Very informative and practical.
Clear & straight to the point
This program was the most informative I have viewed in my current 30 hour CLE Reporting cycle. Nicely done Daniel!
Full of important information that EVERYONE should know, not just attorneys. Great course!
This course was excellent.
This is one of the best CLE courses I have ever listened to.
Presented in a very understandable format, easy to remember
Very informative and well organized presentation.
I good seminar.
Great practical info!
This is a topic all Americans should know! Great Job.
well presented and very informative!!
The lecture was informative
Tell Dan he was terrific!!!! Mike Levin
Interesting program with ideas to implement and help clients.
Extremely helpful. Very professional .
Great presentation, thanks!!!
Very good class!
One of the most informative presentations on Lawline
very practical information for anyone dealing with individuals in multiple areas other than debt- the info on the medical providers reporting activities was priceless
Very informative for my personal life as well as for clients
Informative with practical information.
Really interesting presentation.
Excellent course. Speaker was very clear with lots of helpful info. Written materials are excellent. One of the best courses I've taken on Lawline.
Good course with practical, specific information
Great content and well delivered
Extremely helpful and informative presentation. I am going to go home and check my credit as he suggests!
This course will answer your questions about credit scores and how they are calculated. Worth the time even if you are not practicing in this area
Would love to see a follow up on what to do with credit data in light of the recent Equifax fiasco.
Well done. Very useful.
Great job with this course.
Very good speaker, informative.
Best course EVER taken!
Lot of information I had no clue about regarding the way a credit score is calculated.
Great information. Thank you!
Outstanding beginner program on understanding credit/credit reports.
This is one of the best presentations I've seen from Lawline (or anyone else). Pithy and effective. Well done, Mr. Schulman!
good practical advice we can share with clients needing help understanding and improving their credit. Well presented. Nice job.
Excellent program and presenter
Very informative and nicely organized presentation
Very good information.
Dan Schlufman is very knowledgeable. Very good presentation.
Great Video. Thank You.
Excellent and knowledgeable presentation.
Very good presentation.
This was an excellent substantive CLE. I wish they were all as informative. The presenter was terrific.
Excellent presentation! Knows his stuff forward and backwards! Didn't read his slides, which were also excellent.. thank you !
Very interesting course. Provided useful details on the data underlying credit reports and the manner is which that data is used by the three credit reporting agencies and mortgage companies.
Excellent presenter and great information. Thank you!
Best slides I have seen on Lawline!
Very simple conversations about the mystical credit score that we all have but few understand. Highly recommended, esp if your credit needs improved!
Very interesting program. Excellent instructor.
One of the best. Practical. Good info. Straight forward presentation.
Very practical info and engaging speaker
Really enjoyed the speaker. Learned a lot of practical information.
Well organized and informative!
Learned a lot, will be getting my free credit reports. Thank you
Excellent and timely presentation. Good for clients and myield as well.
Very interesting and useful
It is very informative to pull a master report from myfico. They list the different score versions for each credit bureau.
Enjoyed this presentation
One of the best presentations I've viewed on Lawline. Very informative.
This program was a lot of info for a low-intermediate learner presented in a clear, easily digested manner. Thanks much!
this material was well presented.. several practice tips provided will be of help
A very practical program. Great teacher!!
A very knowledgeable presenter!
Very informative! Thank you!!
Superb and incredibly useful
Watching this should be mandatory for all teens and adults. Very important info and well presented.
Watching this in Chicago in May of 2017...it was humorous to hear you rip on the World Champion Chicago Cubs. Other than that...good presentation!
Very knowledgeable and helpful
Very interesting and straight forward. Good concise presenter.
good and practical course
Great presentation. Very easy to follow.
very interesting and informative
By far, the most informative lecture I have heard. Info is excellent for both business and professional use
The speaker and the material were outstanding in every way. Keep up the good work!
Great CLE for anyone who wants to know how to have a high credit score
Very informative; it filled in some gaps in my knowledge of the credit field.
The course was extremely informative
This was excellent...and worthwhile for ALL people...not just attorneys, and especially people considering purchasing a home.
Very informative and timely presentation
Excellent information about the credit report, thank you!
Very thorough presentation with useful information.
FANTASTIC presentation, presenter answered NUMEROUS questions both professional and personal in this case and I really appreciate someone with this depth of knowledge and experience presenting on credit reporting. Please get him back again!
Solid speaker, well versed in his area.
presenter was very clear, concise and organized
Very good lecture. Well informed speaker.
Great course. Great, effective presenter.
This presenter was excellent, truly an expert in his field.
Mr. Shlufman did a thorough job.
Very informative relative to the use and affect of credit scores.
Knowledgeable speaker on a timely topic.
Dan shulfman was excellent. Great speaker and great info. I would tell people to use lawline just to hear his lecture!
Lots of useful tips and practice pointers.
Covered the material at just the right level of depth.
This one is useful even for nonlawyers
Outstanding. Comprehensive. Extremely well organized.
I will be watching this one again!
excellent presenter and good info
Very informative! Extremely useful!
One of the best CLE's
Highly recommended. Clear, well designed presentation, full of interesting details.
Good explanations and practical advice.
Very good info - well done!
Very practical, informative, and useful presentation.
Excellent program and very informative.
Excellent course and coverage. A lot of information. Highly recommend
This instructor is entertaining and informational.
Great course. Lots of useful information.
Practical and useful information.
This guy is great. Thank you Lawline for includiing him in your program.
Very good useful seminar. I enjoyed it and will listen to it again and take notes. Excellant!
Great program. Very important to my practice. I am a bankruptcy attorney who wishes to help clients re-establish their credit after they finish with the bankruptcy filing.
Excellent presentation. Mr. Schlufman is very knowledgeable.
excellent presentation. Very well prepared and the handout matched the discussion.
liked his tone,,,, made clear many things that are confusing with the credit issues
Great presentation! I learned a lot. Thank you, Daniel.
I am going to have my wife and children watch this, everyone should, what a great program!
This presentation is useful to everyone regardless of practice area.
Excellent introductory seminar on the significance of credit reports. An organized and practical presentation.
Really useful information. Thank you!
very good lecture.
This class was the most interesting of the many LawLine courses I've taken!
Great Presentation!! Very Informative!
a wonderfully practical presentation
I would recommend this CLE course to every practitioner.
Very thorough and engaging
Great lecturer. He took an otherwise boring topic and made it interesting.
very informative and pithy
Very knowledgeable. Excellent material
excellent valuablle information
Very good presentation
Covered the ground thoroughly and effectively.
This course was very helpful!
Great Presentation. Easy to understand, well organized.
Really useful, practical information that clients can benefit from. Programs that bear upon a lawyer's responsibility as an advisor which are not strictly "legal" are important tools. I thought the speaker was great, and it is always helpful to learn from someone with in-depth knowledge of specific topics like this. Well done.
the discussion was relevant and informative and well presented.
Very informative course!
Well done, nice presentation.
This guy is great. I've reprinted lots of lenders and some borrowers, and he's informed me about many things. Please give him more time on your site, especially about identify theft. He is the best.
Interesting and practical
very god presentation
Really enjoyed the knowledgeable speaker.
Very informative course.
Best course that I have watched on Law Line!
Extremely informative. I would recommend this even to non-attorney friends.
I thought that the instructor made valuable points to apply in daily practice and in life regarding credit reports.
Very helpful presentation!
Very good presentation with lots of important facts,
Great program, speaker and materials.
Extremely informative !!!! I will review this CLE again !!
Good program with really helpful, practical information and advice
This was truly OUTSTANDING. Job well-done Sir.
This was an excellent seminar with a lot of great, useful information and, best of all, detailed supporting materials. Not even any need to take notes after I browsed through the materials! Highest marks from a consumer bankruptcy attorney of 40 years!
Very help to me personally as well as professionally
This presentation was fantastic, thank you.
Great course. Very informative and practical.
Excellent and helpful! Great presentation by expert. He was clear and concise. Thanks!
The materials and content were very informative!
I've been using Lawline for several years, and this is one of the best courses I've yet taken. Just the right level of detail for someone who doesn't practice in this area. Thanks.
Excellent. Addressed all the things I couldn't find answers to anywhere else.
Great presentation. Perhaps the most practical CLE I've ever taken.
Good presentation. Very informative.
Excellent course! Well presented. Good written materials.
I enjoyed this speaker and will go on his facebook to read some articles. I found the information presented to be useful both professionally and personally.
Answers to questions real estate attorney have about the lending process
Very good presentation with lots of explanation.
One of the best courses I've taken on Lawline.
Excellent course - one of the best I've taken recently.
Great presenter and great materials. Thank you for the very practical info!!!
I have wanted to hear a program like this for a long time. The lecturer had such great insight into FICO scoring and was able to explain the probable affect on the FICO score and credit availability, for different late pay and other scenarios. I will be able to put this information to use as I assist consumers in my practice. Thank you.
One of the best courses on Lawline.com
excellent content and speaker
Excellent!!!! Lawyers & non-lawyers alike should watch this presentation!
Mr. Shlufman is an excellent presenter!
Interesting and practical presentation
Excellent presenter-solid, basic scope.
Great presentation and very practical information!
The speaker was excellent!!
Good overall program.
Very clear and informative.
Very entertaining and fact filled. All useful.
Excellent presenter with very helpful information.
Really enjoyed this CLE. Very informative. My only regret was that I didn't have access to this information sooner. Thanks!
Good information and great speaker
A lot of informative information packed into a one hour CLE; highly recommend this to the general public.
excellent practical program!!
Very straightforward and helpful
Good presentation & speaker. Well done!
Solid review of consumer credit laws.
EXCELLENT KNOWLEDGEABLE PRESENATATION
Probably the most helpful and one of the best presented courses I have every taken, and I've taken many since 1985. Thank you.
Very knowledgeable speaker.
Very thorough and informative; good overview; good use of powerpoint slides; very easy to listen to
The best presentation and presenter yet!
informative credit report talk
Greatly increased my understanding of credit and credit reports.
Excellent & informative presentation
Crisp, clear and informative.
He was excellent
Good basic information
Very interesting presentation.
Excellent presentation. Very helpful.
Very excellent presentation--I especially appreciated that he gave so much information about upcoming changes in the credit business, as they are timely and helpful to know.
Really good speaker. Very useful information.
Very informative and well presented.
The presenter was excellent. I enjoyed the content and overall I think lawline is fantastic. Your method should be the standard for all states CLE requirements. Its affordable and far more effective in terms of the user retaining information than any other form of CLE courses.
This was an excellent presentation and incredibly informative!
Essential for attorneys as well as non-attorneys.
GOOD PROGRAM--GOOD SPEAKER
Very interesting information and knowledgeable faculty.
This was a great program. Mr. Schulfman was an interesting and well-prepared speaker who knew his topic and conveyed info easily.
One of the best lawline courses. Instructor was well paced and knowledgeable. Material was all useful.
good presentation, informative
Very interesting and informative!
Excellent! Would like more details on credit repair and obtaining scores used by actual mortgage companies.
Very good speaker, very organized info
Excellent lecture on a professional and personal level!
Very important topic. Excellent presentation.
Highly informative, particularly since attorneys are frequently asked "how will this affect my credit"
Great information, packed a lot of info in short period of time.
very worthwhile course
Definitely would recommend this presentation. It covers everything you need to know about credit and credit scores and your rights.
Well organized easy to follow.
Lots of information. Talks fast to cover.better if longer program covering same info.
very informative and covered a lot of important information
Helpful information that we as lawyers should understand.
One of the best CLE's I've ever taken!
The content of the course covered the area in depth and was very clearly presented. The speaker was outstanding.
This was extremely helpful not only as an attorney, but as a consumer. I would highly recommend this course. Thanks!
Very informative and lecturer covered the topic very well
Practical useful knowledge to,pass on to clients
I enjoyed the course. Very informative. I was able to follow along with the material and what the speaker was saying.
This presenter was excellent, and the subject matter was very interesting.
This could have really been expanded to a 1.5 or 2 hour course. Very good information, very well delivered.
Good written materials as well.
This program was both informative and kept my attention. The instructor was excellent.
Very helpful information for my practice, dealing with lots of clients purchasing real estate - gave many ideas on increasing credit scores for better loans.
good, concise presentation by speaker who knows his subject
Very informative presentation!
This lecture was excellent. The speaker was very informative. I picked up many useful tips I could use immediately. I highly recommend this lecture
The material was very interesting both professionally and personally.
Terrific speaker and content
Excellent presentation and materials!
Another excellent CLE course!!!
One of the best.
Excellent speaker & content. Very well done
Very well done!
Course could be longer.
Well presented and very informative.
Greatt nuts and bolts presentation of maintaining good credit.
Mr. Shlufman is excellent. I think the course could be expanded to an hour and a half for more credit possibly.
Very engaging. Thank you!
excellent job, very informative
Very useful information-well presented
One of the best. The materials are excellent.
Very good practical knowledge for lawyers and non-lawyers
Ma top notch speaker on a highly relevant subject. Great course!
Very informative. Great presentation.
Very knowledgeable instructor
really like the speaker's demeanor
Thanks for sharing great practical information on a topic (financial literacy) that is not taught in law school and not equally understood by many attorneys.
Very good speaker.
knowledgeable speaker should do more courses
Great! Both interesting and practical.
very important and I will check himi on facebook
By far the most practical, engaging and informative lawline class I've listened to so far.
Very useful presentation, more time for more details would have been helpful.
I loved it! I learned so much useful information.
Excellent course! Excellent instructor!
great information for clients.
Very useful course.
Excellent and succinct presentation.
Speaker was very knowledgable
Excellent topic and great presentation.
Very clear and informative. Excellent!
this could have been a longer class as there was such of wealth of knowledge
I learned a lot even though I know a lot about this area of the law. Definitely worthwhile and a good, well-paced presentation.
Excellent, excellent information.
This was very informative - thank you!
Very good presentation, in all respects.
This is the best Lawline program in which I have ever participated. Cannot say enough good things about the speaker.
Really good information and nicely presented
Solid course in all respects.
Dan is very knowledgeable and provides a nuts and bolts introduction to FICO scoring.
This is one of the best cle i have taken in years. I will probably replay it just to get some of his points memorized.
Very informative. I enjoyed this more than all of the other courses!
The presenter did an effective job, but I think he could have easily filled more time with this topic. It was a very helpful course. Really appreciate the practical, straight forward approach of this presenter. Great course offering. Thank you!
Great course! Content was relevant personally and professionally. Thanks!
Excellent topic. Could have been longer to go more in depth on topics! Excellent speaker and I would highly recommend!
super and timely topic
Great presentation and very practical
Would have liked more time . Would like to take other classes from this instructor.
One of the best and most useful hour lectures I have heard
Very thorough and great overview with practical advice.
Excellent CLE. Very useful information, clearly presented.
Excellent, excellent presentation which clearly and succinctly explained the quirky world of assigning credit scores.
excellent instructor with great tone and reasonable advice
THIS WAS A VERY INFORMATIVE AND USEFUL PRESENTATION.
really excellent presentation. I didn't see the facebook page to like though? I learned a lot!
excellent and comprehensive presentation
Excellent seminar; great presenter
He was fantastic! He was one of the best presenters I've seen.
One of the most useful and well presented CLE course I have had in a long time.
Good . Like that it was only an hour
WOW!! Great stuff
Excellent presentation. Very informative.
Great course and great presentation!
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