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 29 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 450 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

(29) Total Posts to Date

Guide

11,016 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

17,256 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

27,958 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

36,348 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

59,076 views

9 min read

FICO Score vs. VantageScore: 2021 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

43,554 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

73,470 views

17 min read

The History of Credit Scores: 1989 – 2021

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

79,310 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 • 11/25/20

Guide

91,086 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

74,867 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

91,260 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

80,724 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

Guide

100,000+ views

7 min read

Is 600 a Good Credit Score?

Is 600 a Good Credit Score?

It’s no secret that having good credit pays off, especially when you apply for financing like a credit card or... read more »

John Ulzheimer

By: John Ulzheimer • 2/24/20

Guide

100,000+ views

7 min read

5 Steps You Can Take to Rebuild Your Credit

5 Steps You Can Take to Rebuild Your Credit

Earning solid credit reports and credit scores is a smart move for your long-term financial health. Good credit can... read more »

John Ulzheimer

By: John Ulzheimer • 1/27/20

Guide

100,000+ views

7 min read

The 3 Credit Reporting Agencies: Equifax, TransUnion, and Experian

The 3 Credit Reporting Agencies

When you apply for a credit card, a loan, or any other form of credit, the lender will check your credit reports as... read more »

John Ulzheimer

By: John Ulzheimer • 12/19/19

Guide

100,000+ views

7 min read

How Your Credit Score Affects Your Interest Rates

How Your Credit Score Affects Your Interest Rates

Whether you’re buying a house, a car, or applying for some other type of loan, your credit score will most... read more »

John Ulzheimer

By: John Ulzheimer • 6/11/20

Guide

100,000+ views

9 min read

4 Tips for Recovering from Bankruptcy

4 Tips for Recovering from Bankruptcy

You’ve probably been told that filing for bankruptcy isn’t the worst option, but it should probably be your last... read more »

John Ulzheimer

By: John Ulzheimer • 10/29/19

Guide

100,000+ views

7 min read

Secured Vs. Unsecured Credit — What’s the Difference?

Secured Vs. Unsecured: What's the Difference?

Lenders offer a variety of account types that can end up on your credit reports if your application is successful.... read more »

John Ulzheimer

By: John Ulzheimer • 9/27/19

Guide

100,000+ views

7 min read

Benefits of an Emergency Fund & How to Build One

Benefits of an Emergency Fund & How to Build One

Dealing with unexpected expenses, like car repairs or medical emergencies, is never fun. For at least 40% of... read more »

John Ulzheimer

By: John Ulzheimer • 5/31/19

Guide

100,000+ views

7 min read

How Do Interest-Free Grace Periods Work?

How Do Interest-Free Grace Periods Work?

Credit cards aren’t just convenient payment methods. They’re also great tools you can use to establish or rebuild... read more »

John Ulzheimer

By: John Ulzheimer • 5/10/19

Guide

100,000+ views

7 min read

What is Experian Boost?

What is Experian Boost?

In a lot of ways, credit scoring has worked largely the same way since the first FICO credit score was made... read more »

John Ulzheimer

By: John Ulzheimer • 4/25/19

Guide

100,000+ views

7 min read

The New UltraFICO Score and How It Could Help Your Credit

The New UltraFICO Score Could Help Your Credit

Whether you’re applying for a mortgage, trying to open a new credit card, or financing a new vehicle, your credit... read more »

John Ulzheimer

By: John Ulzheimer • 2/27/19