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.
The credit utilization percentage is a big deal when it comes to your credit score. Learn how to calculate it, what to aim for, and how to improve it.
Having your credit card flagged and denied at the store is embarrassing and frustrating. How does this happen, and how can you prevent it?
When you make a partial mortgage payment the lender will hold the funds in a suspense account until you make a full payment. Learn more in this post.
Most mortgage payments have a due date of the 1st of the month, but don't need to be paid until the 15th. It's called a grace period. Learn more here.
Learn the answer to...Will the second mortgage be paid off with the funds received at auction or will I still be personally responsible for the debt?
Find out why you get all these offers, if they affect your credit score, and how to quickly and easily stop them.