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.
Have you ever wondered just what is going on when you give your credit card to a waiter and they disappear for a few minutes? What if you do the math wrong when you write the tip on a receipt and add up the total amount? Who is in charge of charging the amount to […]
Your address is included on your credit report – have you ever wondered if it gets factored into your credit score? What are the laws about including personal information in credit scores, and how does my residency factor into decisions by banks? Learn the answers to these questions and more in our video with credit expert […]
When you learn that an unexpected, negative account has shown up on your credit reports the discovery can be downright infuriating, especially if you believe it to be incorrect. Thankfully you have certain rights when it comes to items appearing on your credit reports with which you disagree. One of these rights afforded under the […]
Have you heard of credit card churning? It’s an attempt to game the credit card industry by applying for many cards to take advantage of their introductory bonuses, earning a lot of points or cash back quickly. Then, the cards are canceled and new cards with intro bonuses are found. Can a card issuer cancel […]
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 […]