John Ulzheimer

John Ulzheimer, a nationally recognized credit expert who has served as an expert witness in more than 270 cases in both federal and state court. He held positions with both Equifax and Fair Isaac, which created the most popular credit score, and authored four books on the subject, including The Smart Consumer’s Guide to Good Credit: How to Earn Good Credit in a Bad Economy.

Credit Report Score

Your Credit Score Could Change Under New FICO System

FICO is changing the way it reviews your credit habits, which could mean a lower—or higher—credit-risk score than before.

Credit Report Score

There’s a New Credit Scoring System—It Could Help or Hurt You

The new UltraFICO system could boost your credit score enough for you to obtain a loan or credit card, but there are important drawbacks.

Credit & Debt

Credit Freezes Are Now Free

Until now, consumers often had to pay $3 to $10 to each of the three major credit bureaus to freeze credit. Not anymore.

Credit Report Score

5 Common Mistakes That Can Sink Your Credit Score

According to the title of a book by credit expert John Ulzheimer, you're nothing but a number. Whether you are…

Credit Cards

Avoid These Credit Card Balance-Transfer Mistakes

That offer you get in the mail to transfer your high-interest credit card debt to a card with a 0%…

Credit Report Score

Avoid Big Credit-Repair Mistakes

Having out-of-date or inaccurate information removed from your credit report could boost your credit score, making it less expensive for…

Credit Report Score

Rejected Despite Great Credit?

People who have excellent credit scores—750 or above—might assume that they can land any credit card or reasonable loan they…

Credit Report Score

New Rules Could Boost Your Credit Score

The major credit-reporting agencies have agreed to make policy changes that could boost your credit scores. What you can expect…


The Clean-Credit Scam

It sounds like a tempting offer—hide your credit problems by obtaining a credit-privacy number (CPN) to replace your Social Security number…

Credit Cards

The Store Credit Cards Worth Having

Perks Include 15% Off...0% Financing...Free Shipping...More Store cards—those merchant-branded credit cards offered by many large retailers—can provide some very appeal...

Credit Report Score

The New FICO Rules Are Tricky

It soon may be easier and less expensive to obtain credit, thanks to updates to the FICO scoring system, which…

Credit Report Score

All Those Credit Card Offers Are Tempting…But What Happens to Your Credit Score If You Say “Yes”?

You may be tempted by dazzling offers to add another credit card to your wallet…and another…and another. But can adding…

Credit Report Score

How to Get an Absolutely, Totally Free Credit Score

(And avoid the phony ones) We no longer have to pay to learn the credit scores that play a big…

Credit Report Score

Surprising Ways You Can Hurt Your Credit Score

... even if you pay your bills in full each month Many would-be borrowers are discovering that their good credit…

Credit Report Score

How to Fix a Credit Report Error

Insider secrets that will raise your credit score The credit reports of more than one out of every five Americans…


The Shrewdest Money Moves You Can Make in 2014

For investors, borrowers, savers and consumers, rising interest rates and slow economic growth will help shape the outlook for 2014.…

Credit Cards

Stay-At-Home Spouses Can Obtain Credit Cards Again

Housewives and house husbands who have been unable to qualify for credit cards during the past two years should try…


The Shrewdest Money Moves You Can Make in 2013

When it comes to making our money grow, the year ahead offers many challenges. Low interest rates will continue to…

Credit Cards

Secrets that Credit Card Companies Still Hide

A credit card that offers the lowest interest rate or most attractive rewards program isn’t necessarily the best card to…

Credit Report Score

It’s Harder Than Ever to Get a Great Credit Score

How to do it in these tricky times A single misstep can hurt your credit score for years. That could…