John Ulzheimer

John Ulzheimer

John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft and is the only recognized credit expert who actually comes from the credit industry. He is twice FCRA certified by the credit industry’s trade association and has been an expert witness in over 125 credit related cases to date. Since 2004 John has been interviewed and published over 2,000 times on the topics of personal finance and consumer credit.

5 Things You Can Easily Get Removed From Your Credit Reports

After reading an article about how easy it is to remove satisfied judgments from credit reports, a skeptical reader writes in to get clarification from a reliable source. John Ulzheimer, industry veteran and credit expert for Credit Sesame, answers and breaks it down even further to explain five things you can easily get removed from

What’s a Bad Credit Score?

Most of us know credit scores are three-digit numbers that can either help, or hurt, our financial well-being, depending on whether our credit scores are “good” or “bad.” But what exactly defines a good or bad credit score? That’s the topic of this week’s question from a Credit Sesame reader. John Ulzheimer, credit expert for Credit Sesame, answers.

Ask the Expert: Can I Get Credit With a Bad Credit Score?

After being laid off and struggling financially, a Credit Sesame reader writes in for advice on getting credit and qualifying for a loan with a bad credit score. John Ulzheimer, credit expert for Credit Sesame, answers.

White House Gets It Wrong: Credit Monitoring Most Effective Tool for Detecting ID Theft, Not Credit Scores

A White House press release suggests that free credit scores are “one of the best early indicators of identity theft,” but credit expert, John Ulzheimer disagrees. Find out why credit scores are a poor tool for detecting identity theft, and why monitoring your credit reports is more important when it comes to detecting early signs of identity theft.

How Much Will One Late Payment Hurt Your Credit Score?

After accidentally overlooking a bill, a concerned Credit Sesame user writes in to find out how badly a late payment will affect her otherwise excellent credit score.  John Ulzheimer, credit expert for Credit Sesame, answers. “John, I have excellent credit and currently have a credit score of 804, according to your site. I’ve never missed

How Much Did I Hurt My Credit Score Over the Holidays?

You can admit it … you leaned on your credit cards pretty heavily over the holidays, didn’t you?  Presents, hotels, restaurants, and gas for your car put a hefty dent into your credit limits. Now that your credit cards aren’t smoking from the constant swiping any longer, how do you go about determining just how

5 Ways Identity Theft Can Wreck Your Credit

In February, the Federal Trade Commission announced that identity theft was the top consumer complaint last year. That in and of itself is not terribly surprising until you learn that it marked the 14th consecutive year identity theft has topped the list. Add that to the seemingly never ending list of retailers whose databases have been breached