John Ulzheimer has been an insider in the consumer credit industry since 1991. He is the credit expert; especially when it comes to credit reporting, credit scoring and identity theft. With a combined 13 years with Equifax Credit Information Services and Fair Isaac (inventors of the FICO® credit scoring system), John is the ultimate source of hyper-accurate credit related information and education and has become a highly sought after source for the media, attorneys, businesses and consumers.