John Ulzheimer is a recognized expert on credit reporting, credit scoring and identity theft. He is a credit blogger for Credit Card Insider, CreditSesame, Mint, and the National Foundation for Credit Counseling. John is twice Fair Credit Reporting Act (FCRA) certified by the credit reporting industry’s trade association and has been an expert witness in over 140 cases involving credit issues. Formerly of FICO and Equifax, John is the only recognized credit expert who actually comes from the credit industry.
As 2014’s W2 forms, 1099 forms, and other tax related documents find their way into our mailboxes it can only signify one thing, which is that tax season is upon us. Most taxpayers who’ve begun the process of gathering tax documents generally have two similar concerns. First, taxpayers want their tax returns prepared so that […]
Are you suffering from buyer’s remorse because of some purchases you made this past holiday season? Do you want to know how to cure it? Drive back to the mall and return some things. Provided that the you’ve complied with the retailer’s return policy, when you return the item the retailer will generally issue a […]
If I had a dollar for every time someone asked me how much an item on her credit reports was going impact her FICO or VantageScore credit scores I’d be a wealthy man. It’s not a bad idea for consumers to be concerned about how their financial actions will impact their credit scores. In fact, it is […]
Did you know that you have the ability to raise your credit limit on your credit cards? Having a higher credit limit is beneficial for several reasons, including improving your credit score by decreasing your total utilization. So, just how do you go about getting your credit limit increased? Learn all about it in our […]
Whether you knew it or not, your credit cards most likely include the Extended Warranty additional benefit. This shopping benefit will apply to most purchases that you make, though you’ll need to check your specific card for the details. There are also a number of other credit card benefits that you may have and be missing […]
It is common knowledge that consumers with poor credit reports and credit scores face considerable financial challenges. Purchasing a vehicle, qualifying for a mortgage, and even opening a new mobile phone account can all prove to be difficult, if not impossible, for people with poor credit. What might surprise you, however, is just how difficult […]