John Ulzheimer

John Ulzheimer

Bad Credit Expert

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.

Latest Posts

(40) Total Posts to Date

Guide

12,189 views

11 min read

How Do Authorized Users Build Credit?

How Do Authorized Users Build Credit?

If you’ve been doing research on how to build or rebuild your credit reports and credit scores, you may have... read more »

John Ulzheimer

By: John Ulzheimer • 4/14/22

Guide

23,760 views

11 min read

How to Read a Credit Report

How to Read Your Credit Report

If you have a goal to earn and maintain solid credit scores, it’s critical to keep a close eye on all of your... read more »

John Ulzheimer

By: John Ulzheimer • 3/22/22

Guide

28,800 views

11 min read

What’s In My Credit Reports?

What's In My Credit Reports?

A credit report is simply a record indicating how well, or how poorly, you’ve managed your credit obligations in... read more »

John Ulzheimer

By: John Ulzheimer • 2/23/22

Guide

21,528 views

11 min read

Is It Bad to Check Your Credit Score?

Is It a Bad Idea to Check Your Credit Score?

American consumers have the right to check their credit reports once every 12 months at no cost. They’ve enjoyed... read more »

John Ulzheimer

By: John Ulzheimer • 1/27/22

Guide

32,307 views

13 min read

How Long Does It Take To Repair Your Credit?

How Long Does It Take To Repair Credit?

Your credit reports and credit scores are always front and center for lenders and other service providers when they... read more »

John Ulzheimer

By: John Ulzheimer • 12/13/21

Guide

46,640 views

11 min read

How to Remove Negative Items From Your Credit Report Yourself

How to Remove Negative Items From Your Credit Report

When negative items appear on your credit reports, they can complicate your life in many ways. Negative credit... read more »

John Ulzheimer

By: John Ulzheimer • 12/2/21

Guide

62,548 views

13 min read

What Does It Mean to Be a Risky Borrower?

What Does It Mean to Be a Risky Borrower?

When you apply for financing, such as a credit card or loan, the lender will review your credit information to get... read more »

John Ulzheimer

By: John Ulzheimer • 11/29/21

Guide

56,508 views

13 min read

8 Ways the Fair Credit Reporting Act Protects You

8 Ways the FCRA Protects You

The Fair Credit Reporting Act (FCRA) is a consumer protection statute that Congress passed in 1970. In this... read more »

John Ulzheimer

By: John Ulzheimer • 9/30/21

Guide

41,756 views

13 min read

What’s The Difference Between Hard & Soft Credit Inquiries?

What's the Difference Between Hard and Soft Inquiries?

Your credit reports are full of sensitive and private information. So it may comfort you to learn that various... read more »

John Ulzheimer

By: John Ulzheimer • 9/1/21

Guide

85,644 views

9 min read

Is Hiring a Credit Repair Service a Good Idea?

Is Hiring a Credit Repair Service a Good Idea?

If you’re struggling with the effects of bad credit reports and bad credit scores, you may have thought about... read more »

John Ulzheimer

By: John Ulzheimer • 7/29/21

Guide

90,015 views

9 min read

What Do Lenders See During a Credit Check?

What Do Lenders See During a Credit Check?

Before you apply for new financing, such as a credit card or mortgage, it’s wise to consider the factors your... read more »

John Ulzheimer

By: John Ulzheimer • 7/19/21

Guide

97,603 views

9 min read

3 Reasons You Have Different Credit Scores

3 Reasons You Have Different Credit Scores

You are probably well aware of the importance of your credit scores each and every time you apply for a new credit... read more »

John Ulzheimer

By: John Ulzheimer • 5/26/21

Guide

100,000+ views

9 min read

Does Bankruptcy Affect Credit Scores?

Does Bankruptcy Affect Credit Scores?

If you’re in a situation where you have much more debt than money to make your payments, the U.S. Bankruptcy Code... read more »

John Ulzheimer

By: John Ulzheimer • 5/12/21

Guide

100,000+ views

11 min read

5 Reasons You Can Be Denied a Loan or Credit Card

5 Reasons You Can Be Denied a Loan or Credit Card

Having your application for a credit card or a loan denied can be a frustrating experience for both you and... read more »

John Ulzheimer

By: John Ulzheimer • 3/15/21

Guide

100,000+ views

9 min read

FICO Score vs. VantageScore: 2022 Comparison

FICO® vs. VantageScore Credit Scores

Credit scores are used by lenders billions of times each year to help them make credit-related decisions. In the... read more »

John Ulzheimer

By: John Ulzheimer • 3/1/21

Guide

100,000+ views

15 min read

10 Surprising Credit Score Statistics You Don’t Want to Ignore

10 Surprising Credit Score Statistics

Whether you have your heart set on a new rewards credit card, a mortgage loan, or some other type of financing,... read more »

John Ulzheimer

By: John Ulzheimer • 1/20/21

Guide

96,816 views

17 min read

The History of Credit Scores: 1989 – 2022

The History of Credit Scores

As influential as credit scores have become over your finances and your access to credit, it may seem like those... read more »

John Ulzheimer

By: John Ulzheimer • 12/21/20

Guide

85,184 views

11 min read

How Many Americans Have Bad Credit?

How Many Americans Have Bad Credit?

Your credit reports and credit scores are immensely important because they control your access to, and the pricing... read more »

John Ulzheimer

By: John Ulzheimer • 2/28/22

Guide

100,000+ views

17 min read

11 Gripping Loan Statistics in the U.S.

11 Gripping Loan Statistics in the U.S.

You will likely need to take out a loan at some point in your life, whether it’s to buy a home, finance a college... read more »

John Ulzheimer

By: John Ulzheimer • 10/20/20

Guide

100,000+ views

19 min read

15 Fascinating Bad Credit Statistics

15 Fascinating Bad Credit Statistics

Your credit reports and credit scores have considerable influence over your financial life — whether you think... read more »

John Ulzheimer

By: John Ulzheimer • 9/9/20

Guide

100,000+ views

9 min read

5 Credit Score Myths, Busted!

5 Credit Score Myths Busted

Your credit scores will play an important role throughout your adult life. Most, if not all, lending-based... read more »

John Ulzheimer

By: John Ulzheimer • 8/3/20

Guide

100,000+ views

9 min read

How Missed Payments Affect Your Credit Scores

How Missed Payments Affect Your Credit Scores

When you apply for and borrow money from a credit card issuer or lender, you make a contractual promise to make... read more »

John Ulzheimer

By: John Ulzheimer • 7/6/20

Guide

100,000+ views

7 min read

Which FICO Score Do Mortgage Lenders Use?

Which FICO Score Do Mortgage Lenders Use?

When you apply for a loan or credit card, it’s practically a given that a lender will check one of your credit... read more »

John Ulzheimer

By: John Ulzheimer • 6/11/20

Guide

100,000+ views

7 min read

How to Dispute or Remove a Charge-Off

How to Dispute or Remove a Charge-Off

It can be tough to earn great credit scores when there are negative items on your credit reports. One such item is... read more »

John Ulzheimer

By: John Ulzheimer • 6/23/20

Guide

100,000+ views

7 min read

FICO Credit Score Changes: 4 Things to Know

FICO Score Changes: 4 Things to Know

When you apply for a new loan or credit card, a lender will check your credit score as part of the application... read more »

John Ulzheimer

By: John Ulzheimer • 4/1/20