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.
If you don’t have the cash to pay for your summer vacation, taking advantage of the points earning potential on certain travel-oriented credit cards can put a little cash back in your pocket after you splurge on your getaway. But which card is the best earner? Here’s a look at some of the best credit […]
Being denied for a credit card is too bad, but fortunately these denials won’t be reported to the credit bureaus or hurt your credit score. If you are denied, the issuing bank must let you know why they didn’t accept you, along with some more information about the credit report and score they used. There […]
Credit cards come with a credit limit, the maximum amount you’re allowed to spend with the card (until you pay it off). These limits can be as small as $500, but they generally don’t get much higher than $30,000 for those with the best credit reports. Charge cards also have a limit to how much […]
Will you build credit more quickly if you get more credit cards? It turns out that credit scoring is not so simple. While having more credit cards will give you more available credit and make it easier to keep a low utilization (improving your credit score), every new credit card you open will lower your […]
Getting a student credit card is a great way for a young person to start building a solid credit history. But what do you do with the card after you graduate? Can you upgrade, or do you need to cancel it? What kind of effect will that have on your credit? Learn the answers to these […]
Perfect credit scores sound wonderful – but just how useful are they? It turns out that you won’t really get any benefit from those last few points, because lenders are prepared to offer their best rates to people with lower scores. But, if you are going for perfect but can’t quite get there, it’s probably […]