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 »
By: John Ulzheimer • 9/30/21
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.
Guide
7,106 views
13 min read
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
Guide
11,798 views
13 min read
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
Guide
27,360 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
Guide
28,658 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
Guide
38,085 views
9 min read
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
Guide
58,496 views
9 min read
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
Guide
72,504 views
11 min read
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
Guide
57,720 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
Guide
67,837 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
Guide
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
Guide
100,000+ views
11 min read
Your credit reports and credit scores are immensely important because they control your access to, and the pricing... read more »
By: John Ulzheimer • 11/25/20
Guide
93,977 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
Guide
91,200 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
Guide
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
Guide
100,000+ views
9 min read
When you apply for and borrow money from a credit card issuer or lender, you make a contractual promise to make... read more »
By: John Ulzheimer • 7/6/20
Guide
100,000+ views
7 min read
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 »
By: John Ulzheimer • 6/11/20
Guide
100,000+ views
7 min read
It can be tough to earn great credit scores when there are negative items on your credit reports. One such item is... read more »
By: John Ulzheimer • 6/23/20
Guide
100,000+ views
7 min read
When you apply for a new loan or credit card, a lender will check your credit score as part of the application... read more »
By: John Ulzheimer • 4/1/20
Guide
100,000+ views
7 min read
It’s no secret that having good credit pays off, especially when you apply for financing like a credit card or... read more »
By: John Ulzheimer • 2/24/20
Guide
100,000+ views
7 min read
Earning solid credit reports and credit scores is a smart move for your long-term financial health. Good credit can... read more »
By: John Ulzheimer • 1/27/20
Guide
100,000+ views
7 min read
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 »
By: John Ulzheimer • 12/19/19
Guide
100,000+ views
7 min read
Whether you’re buying a house, a car, or applying for some other type of loan, your credit score will most... read more »
By: John Ulzheimer • 6/11/20
Guide
100,000+ views
9 min read
You’ve probably been told that filing for bankruptcy isn’t the worst option, but it should probably be your last... read more »
By: John Ulzheimer • 10/29/19
Guide
100,000+ views
7 min read
Lenders offer a variety of account types that can end up on your credit reports if your application is successful.... read more »
By: John Ulzheimer • 9/27/19
Guide
100,000+ views
7 min read
Dealing with unexpected expenses, like car repairs or medical emergencies, is never fun. For at least 40% of... read more »
By: John Ulzheimer • 5/31/19