John Ulzheimer

John UlzheimerJohn 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.

Q&A Video – What Is An APR?

John Ulzheimer | Q&A Videos | Nov 13, 2015

The APR – Annual Percentage Rate – is a basic feature of revolving credit cards.  It is the fee that you pay to use the card, which covers the costs that the issuers pay to service the debt you accrue.  The APR is the interest you’ll pay from month to month; for general credit cards, the […]

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Q&A Video: What Are Credit Card Adverse Actions?

John Ulzheimer | Financial Planning | Sep 17, 2015

When you apply for credit cards and other types of loans, you may be issued a notice of adverse action if your credit isn’t good enough. This happens when you’ve been denied for a credit card, or if you’ve been “adversely approved.” An adverse approval means that you’ve been approved for the product, but with less […]

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