Our team of expert business and financial contributors strive to produce the most relevant, and timely, material to help guide you while planning for, and managing, your credit cards.John UlzheimerSenior ContributorView John Ulzheimer’s WorkJohn Ulzheimer is the President of Consumer Education at SmartCredit.com, the credit blogger for Mint.com, and a Contributor for the National Foundation for Credit Counseling. He is a recognized expert on credit reporting, credit scoring and identity theft. 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 100 cases involving credit issues. Formerly of FICO and Equifax, John is the only recognized credit expert who actually comes from the credit industry. Sandra MacGregorSenior ContributorView Sandra MacGregor’s WorkSandra MacGregor is an experienced researcher with a law degree and a special interest in finance. She is also a former magazine editor and an internationally-published writer, whose work has appeared in the New York Times, UK Telegraph and Toronto Star. Kimberly RotterContributorView Kimberly Rotters’ WorkKimberly Rotter brings nearly 20 years of practical knowledge along with a solid post-graduate education in business and marketing. Her expertise is also drawn from real-life experiences including tough economic times. She has a thriving family, two southern California homes, a retirement account and a stock portfolio. Neither rich nor poor, Kimberly advocates good financial sense, planning for the future and treasuring relationships.