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

Why Did My Credit Score Drop?

A reader writes in, confused and looking for answers as to why her credit score would have dropped more than 50 points through no fault of her own. John Ulzheimer, credit expert for Credit Sesame, answers. “John, I’ve been tracking my credit scores through a variety of different places including Credit Sesame, and two of

Credit Decisions Gone Wrong: Real-Life Examples of What NOT to Do With Your Credit

Over the past few years I’ve been compiling a list of real-life scenarios where people have played a metaphorical game of Russian roulette with their credit — and lost. Here are two real-life examples of credit decisions gone wrong, and how their bad decisions lowered their credit scores.

How Long Does Negative Information Remain On My Credit Reports?

Last month I wrote about the Fair Credit Reporting Improvement Act of 2014 and how it could possibly alter how long negative information remains on consumer credit reports. The article prompted several of you to reach out and ask me to clarify just how long negative information is allowed to remain on credit reports under

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