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 »
By: John Ulzheimer • 4/14/22
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.
Guide
12,189 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
Guide
23,760 views
11 min read
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
Guide
28,800 views
11 min read
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
Guide
21,528 views
11 min read
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
Guide
32,307 views
13 min read
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
Guide
46,640 views
11 min read
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
Guide
62,548 views
13 min read
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
Guide
56,508 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
41,756 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
85,644 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
90,015 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
97,603 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
100,000+ 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
100,000+ 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
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
Guide
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
Guide
96,816 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
85,184 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 • 2/28/22
Guide
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
Guide
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
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