The Average FICO Score Drops for the First Time in Over a Decade
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 »
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
100,000+ views
5 min read
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
100,000+ views
5 min read
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
Guide
100,000+ 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
Guide
100,000+ views
5 min read
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
Guide
100,000+ views
5 min read
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
Guide
100,000+ 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
3 min read
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
Guide
100,000+ views
5 min read
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