John Ulzheimer is an expert on credit reporting, credit scoring, and identity theft. The author of four books on the subject, Ulzheimer has been featured thousands of times in media outlets including the Wall Street Journal, NBC Nightly News, New York Times, CNBC, and countless others. With over 30 years of credit-related professional experience, including with both Equifax and FICO, Ulzheimer is the only recognized credit expert who actually comes from the credit industry. He has been an expert witness in over 600 credit-related lawsuits and has been qualified to testify in both federal and state courts on the topic of consumer credit. In his hometown of Atlanta, Ulzheimer is a frequent guest lecturer at the University of Georgia and Emory University's School of Law.
Guide
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For at least the last 19 years, the company known as FICO, my former employer and the company that invented credit scores, has published reports... read more »
By: John Ulzheimer • 5/1/24
Guide
48,840 views
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The world of consumer finance is loaded with data, statistics, trends, acronyms, and averages. It’s truly a numbers-driven industry. As it... read more »
By: John Ulzheimer • 4/16/24
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49,696 views
3 min read
The world of mortgage interest rates has been on quite the roller coaster over the last few years. Mortgage interest rates for garden-variety... read more »
By: John Ulzheimer • 3/14/24
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81,774 views
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Your credit score or, more accurately credit scores, are used by lenders to assess the risk of doing business with you. If you have good or great... read more »
By: John Ulzheimer • 2/12/24
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90,096 views
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When people are unemployed or underemployed, they often use their credit cards to bridge their income gap. Credit cards offer immediate access to... read more »
By: John Ulzheimer • 1/22/24
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87,552 views
7 min read
Credit scores are three-digit numbers that are used by lenders to determine whether they’re going to approve your applications, and under what... read more »
By: John Ulzheimer • 12/14/23
Study
100,000+ views
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Credit scores, those three-digit numbers based on your credit reports, are used well over 20 billion times each year by lenders and others to... read more »
By: John Ulzheimer • 10/12/23
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100,000+ views
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Despite all the optimism and joy that goes with tying the knot, it’s an unfortunate reality that a considerable percentage of marriages fail. And... read more »
By: John Ulzheimer • 9/15/23
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100,000+ views
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October 2023 marks the end of more than three and a half years of student loan forbearance and the non-repayment of federal student loans.... read more »
By: John Ulzheimer • 8/3/23
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100,000+ views
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It’s not unusual to read articles about credit scoring and the various categories of metrics that influence your credit scores. What is unusual,... read more »
By: John Ulzheimer • 7/3/23
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100,000+ views
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The credit scores that most lenders use in the United States range from 300 to 850. This is the common score range or “scaling” with FICO and... read more »
By: John Ulzheimer • 6/8/23
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100,000+ views
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Getting married can impact many aspects of your life. Yet, the idea that marriage has a direct impact on your credit scores is a myth. And while... read more »
By: John Ulzheimer • 5/8/23
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100,000+ views
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Lenders rely on your credit report and credit score information to assess your risk, determine whether they want to do business with you, and... read more »
By: John Ulzheimer • 4/4/23
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100,000+ views
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Criticizing the credit reporting agencies or the credit scoring companies is almost a national pastime. Nobody likes credit bureaus, credit... read more »
By: John Ulzheimer • 3/1/23
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100,000+ views
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When you or a dependent gets sick or injured, getting the medical care you or your loved one needs can be a necessary, yet stressful, experience.... read more »
By: John Ulzheimer • 2/7/23
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100,000+ views
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In January 2020, FICO, the company that invented credit scoring and my former employer, announced the latest generation of its ubiquitous credit... read more »
By: John Ulzheimer • 1/2/23
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100,000+ views
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The credit card is the most common form of credit in the United States. There are over 1 billion cards in circulation today, representing several... read more »
By: John Ulzheimer • 12/1/22
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100,000+ views
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The credit industry is full of terms that you may not use in your everyday life and will unlikely see anywhere outside of the credit industry.... read more »
By: John Ulzheimer • 10/19/22
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100,000+ views
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Your credit can have a tremendous influence on your overall financial health. Good credit makes it easier to obtain more affordable financing... read more »
By: John Ulzheimer • 9/12/22
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100,000+ views
3 min read
Credit scores have been used by lenders in the financial services market in the United States for more than three decades. Your credit scores... read more »
By: John Ulzheimer • 8/15/22