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 27 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 325 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

(18) Total Posts to Date

Guide

570 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

12,863 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

18,356 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

17,112 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

44,790 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

52,002 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

41,292 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

44,033 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

63,360 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

67,232 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

Guide

100,000+ views

7 min read

Zombie Debt Collectors: Know Your Rights

Zombie Debt Collectors: Know Your Rights

When you borrow money and agree to pay it back according to the creditor’s terms, it’s in your best interest to... read more »

John Ulzheimer

By: John Ulzheimer • 2/1/19

Guide

100,000+ views

7 min read

How to Build Credit Without a Credit Card

How to Build Credit Without a Credit Card

A well-managed credit card account can be an effective tool to help you build or even rebuild your credit. In fact,... read more »

John Ulzheimer

By: John Ulzheimer • 1/29/20

Guide

100,000+ views

7 min read

The Perfect Credit Score: Is It Even Possible?

The Perfect Credit Score: Is It Even Possible?

Trying to be the best at something is the American way. Students work hard to earn 4.0 GPAs in college or straight... read more »

John Ulzheimer

By: John Ulzheimer • 12/19/18

Guide

100,000+ views

7 min read

How to Check Your Credit Score for Free

How to Check Your Credit Score for Free

Just like keeping a close eye on your weight is a good idea if you want to maintain good health, monitoring your... read more »

John Ulzheimer

By: John Ulzheimer • 10/26/18