CNBC U.S. Contributors

John Ulzheimer

"On the Money" Contributor

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,, 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.