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.

Recent posts by John Ulzheimer

How to Improve a Poor Credit Score

It’s one of the most common questions regarding credit scores and indicates that you understand the considerable value of having solid credit. “How in the world can I improve a poor credit score?” The answer, despite what you may have already read on the web, isn’t as simple as “pay your bills on time.” Paying

How Often Does Your Credit Score Change?

A reader writes in looking for a clear answer on how often his credit score changes and how often he should check this all important three-digit number.  John Ulzheimer, credit expert for Credit Sesame, answers. “John, I’ve been working very hard at improving my credit scores. I’ve made all of my payments on time for years and

How Does Being an Authorized User Affect My Credit Score?

A reader writes in looking for advice on whether or not becoming an authorized user on his parents’ credit card will help his credit scores.  John Ulzheimer, credit expert for Credit Sesame, answers. “John, I’m trying to build up my credit score and I read online that if I can get my name added to

How Can I Protect My Credit From My Upcoming Divorce?

A reader writes in looking for advice on how to best protect her credit before she files for divorce after 12 years of marriage. John Ulzheimer, credit expert for Credit Sesame, answers. “John, I will be filing for divorce from my husband of 12 years in the next few months. Almost all of our liabilities

Proposed Bill Would Make Drastic Changes to Credit Reports and Credit Scores

Today Rep. Maxine Waters (D-CA) will introduce the Fair Credit Reporting Improvement Act of 2014. If passed, the Act would result in the most aggressive overhaul of the Fair Credit Reporting Act since 2003 and change the landscape of over 650,000,000 consumer credit reports and credit scores almost overnight. The Act would require the following

How to Remove a Judgment From Your Credit Report

If you’ve ever been involved in a lawsuit that went to trial then you are probably familiar with the term ‘judgment.”  A judgment is a formal decision made by a court following a lawsuit. In the world of credit, it’s not uncommon for creditors or debt collectors to sue debtors for nonpayment of their debts

What is the Credit Repair Organizations Act?

Over eight million consumers filed disputes with­ the credit reporting agencies in 2011 according to the Consumer Financial Protection Bureau. These disputes are generally submitted when a consumer disagrees with the content on one or more of their credit reports. And while consumers can submit disputes to the credit bureaus on their own, many choose