John Ulzheimer

Contributing Writer

<a href="http://www.johnulzheimer.com/" rel="noopener">John Ulzheimer</a> is an expert on credit reporting, credit scoring, and identity theft. The author of four books on the subject, Ulzheimer has been featured thousands of times over the past decade in media outlets including the Wall Street Journal, NBC Nightly News, The Los Angeles Times, CNBC, and countless others. With professional experience at both Equifax and FICO, Ulzheimer is the only credit expert who actually comes from the credit industry. He has been an expert witness in over 230 credit related lawsuits and has been qualified to testify in both federal and state courts on the topic of consumer credit.

Does a HELOC Affect Credit Score?

Home equity lines of credit, commonly referred to as HELOCs, represent an attractive type of financing that home owners may decide to take a…

How Do Medical Bills Affect Your Credit?

Questions regarding your credit generally do not have a simple cut and dried answer. Instead, credit-related questions more often require the rat…

Revolving Credit vs. Installment Loans: Why the Type of Account Matters to Your Credit Score

When it comes to how your credit scores are calculated, there are many factors at play. Credit scoring models consider how well (or how poorly) y…

Comparing Your Many Credit Scores

Credit scores make the financial world go round, or so the saying goes. And while that may be a slight exaggeration, the truth is that your credi…

Loan Shopping? Here’s How Multiple Inquiries Impact Your Credit Score

Shopping around to make sure you find the best deal on a loan is financially smart. Getting the best interest rate and terms possible, especially…

Use a Free Credit Freeze to Stop Identity Thieves Cold

It’s been just over a year since the now infamous Equifax data breach of 2017. To refresh your memory, this massive data breach potentially…