3 Steps: How to Use AnnualCreditReport.com
Your credit can have a tremendous influence on your overall financial health. Good credit makes it easier to obtain... read more »
By: John Ulzheimer • 9/12/22
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.
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7,128 views
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Your credit can have a tremendous influence on your overall financial health. Good credit makes it easier to obtain... read more »
By: John Ulzheimer • 9/12/22
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15,712 views
7 min read
Credit scores have been used by lenders in the financial services market in the United States for more than three... read more »
By: John Ulzheimer • 8/10/22
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18,228 views
13 min read
When you apply for and take out a loan, you agree to make payments to your lenders and return their money, plus... read more »
By: John Ulzheimer • 6/20/22
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46,682 views
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Your credit reports are loaded with information, including personal data, employment information, public records,... read more »
By: John Ulzheimer • 5/25/22
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60,316 views
11 min read
If you’ve been doing research on how to build or rebuild your credit reports and credit scores, you may have... read more »
By: John Ulzheimer • 4/14/22
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93,955 views
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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 »
By: John Ulzheimer • 3/22/22
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71,532 views
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A credit report is simply a record indicating how well, or how poorly, you’ve managed your credit obligations in... read more »
By: John Ulzheimer • 2/23/22
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79,268 views
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American consumers have the right to check their credit reports once every 12 months at no cost. They’ve enjoyed... read more »
By: John Ulzheimer • 1/27/22
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94,064 views
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Your credit reports and credit scores are always front and center for lenders and other service providers when they... read more »
By: John Ulzheimer • 12/13/21
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100,000+ views
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When negative items appear on your credit reports, they can complicate your life in many ways. Negative credit... read more »
By: John Ulzheimer • 12/2/21
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69,520 views
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When you apply for financing, such as a credit card or loan, the lender will review your credit information to get... read more »
By: John Ulzheimer • 11/29/21
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100,000+ views
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The Fair Credit Reporting Act (FCRA) is a consumer protection statute that Congress passed in 1970. In this... read more »
By: John Ulzheimer • 9/30/21
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100,000+ views
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Your credit reports are full of sensitive and private information. So it may comfort you to learn that various... read more »
By: John Ulzheimer • 9/1/21
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100,000+ views
9 min read
If you’re struggling with the effects of bad credit reports and bad credit scores, you may have thought about... read more »
By: John Ulzheimer • 7/29/21
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87,789 views
9 min read
Before you apply for new financing, such as a credit card or mortgage, it’s wise to consider the factors your... read more »
By: John Ulzheimer • 7/19/21
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100,000+ views
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You are probably well aware of the importance of your credit scores each and every time you apply for a new credit... read more »
By: John Ulzheimer • 5/26/21
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100,000+ views
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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 »
By: John Ulzheimer • 5/12/21
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100,000+ views
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Having your application for a credit card or a loan denied can be a frustrating experience for both you and... read more »
By: John Ulzheimer • 3/15/21
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100,000+ views
9 min read
Credit scores are used by lenders billions of times each year to help them make credit-related decisions. In the... read more »
By: John Ulzheimer • 3/1/21
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100,000+ views
15 min read
Whether you have your heart set on a new rewards credit card, a mortgage loan, or some other type of financing,... read more »
By: John Ulzheimer • 1/20/21
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100,000+ views
17 min read
As influential as credit scores have become over your finances and your access to credit, it may seem like those... read more »
By: John Ulzheimer • 12/21/20
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100,000+ views
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Your credit reports and credit scores are immensely important because they control your access to, and the pricing... read more »
By: John Ulzheimer • 2/28/22
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100,000+ views
17 min read
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 »
By: John Ulzheimer • 10/20/20
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100,000+ views
19 min read
Your credit reports and credit scores have considerable influence over your financial life — whether you think... read more »
By: John Ulzheimer • 9/9/20
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100,000+ views
9 min read
Your credit scores will play an important role throughout your adult life. Most, if not all, lending-based... read more »
By: John Ulzheimer • 8/3/20