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

(9) Total Posts to Date

Guide

5,389 views

7 min read

How to Stop Debt Collector Calls

How to Stop Debt Collector Calls

There’s something incredibly stressful about answering the phone to discover a debt collector is waiting for you on... read more »

John Ulzheimer

By: John Ulzheimer • 6/20/19

Guide

13,518 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

20,292 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

43,016 views

9 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

39,168 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

48,646 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

54,984 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 • 1/30/19

Guide

48,906 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

83,772 views

9 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


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