John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft. In addition to his expertise in personal finance and consumer issues, he is a leading advocate of understanding the value of managing your credit portfolio like you would your investment portfolio.
Ulzheimer has over 16 years of experience in the consumer credit industry including positions with Equifax Credit Information Services and the Fair Isaac Corporation (inventors of the FICO credit scoring system). He has authored numerous educational books, including "The GetCreditWise ToolKit" and "You’re Nothing but a Number," and is also the coauthor of the consumer handbook, "Surviving Identity Theft."
Ulzheimer has contributed content for Freddie Mac’s "Know Your Score" campaign, Oprah’s “Debt Diet” series and "The Suze Orman Show." He is also a frequent contributor of credit advice and analysis for various outlets including USA TODAY, Los Angeles Times, CNN.com, Washington Post, and many more.
In his hometown of Atlanta, Ulzheimer teaches an ongoing course on credit reporting and scoring at the Emory University Center for Lifelong Learning and was named by the students the Top Personal Finance and Investments Instructor for the 2005/2006 term. He is also a regular guest lecturer at the Westminster Schools in Atlanta.
John Ulzheimer answers one of the many who are seeing their terms changed abruptly.
It is calculated only at moment in which your file is being pulled, says John Ulzheimer.
What to do if you're still being contacted by a collector about a debt that's past the statute of limitations.
First step is to contact BOTH the lender and the credit reporting agencies to challenge the incorrect information, says John Ulzheimer.
Also, find out what information your credit report contains and what is left off.
The provisions of the CARD Act are heavily redundant with those in the Credit Card Bill of Rights, but they include two new and important provisions.
For this viewer, the statute of limitations offers some important protection.
A consumer revolt forces the hand of one of the nation's largest banks to refund some cardholders money. But has their credit already been damaged?