John Ulzheimer - Nationally Recognized Credit Expert and Expert Witness, Legal Consultant, Trainer, Small Business Consultant, Keynote Speaker, and Author

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Latest News:
John is interviewed by the New York Times and discusses how credit card issuers are starting to extend credit to higher risk borrowers  Read More...
John is interviewed by the Minneapolis Star Tribune and discusses companies that sell fake credit scores  Read More...
John is interviewed by Wall Street Cheat Sheet and talks about the 5 things to do before the end of the year  Read More...

About John...

  • President, Consumer Education for
  • President, The Ulzheimer Group, LLC
  • Founder,
  • Former Credit Contributor, CNBC's
        On The Money
  • Former Credit Contributor, Oprah and
        Friends with Jean Chatzky
  • Editorial Advisory Board, Bottom Line
  • Advisory Board, Identity Theft 911
  • Microblogger, New York Times
  • Author, You're Nothing but a Number
  • Developer of's Credit Report
        Card, Winner of Best In Show at
        Finovate 2009
  • Expert Witness - Admitted in both
        Federal and State courts as a credit
        expert and qualified by the court to testify
        in credit litigation

  • John Ulzheimer - Nationally Recognized Credit Expert
    John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft. In addition to his expertise in personal finance and consumer credit, John is the only recognized credit expert who actually comes from the credit industry.  Download John's CV here.

    John has 18+ years of experience in the consumer credit industry including positions with Equifax Credit Information Services and Fair Isaac (inventors of the FICO® credit scoring system). He has authored or created numerous educational materials on the subject including:

  • You're Nothing but a Number
  • The consumer handbook, Surviving Identity Theft
  • The White Paper, Common Mistakes Made by Ineffective Credit Expert Witnesses
  • The GetCreditWise Tool Kit

  • John has appeared numerous times on CNBC, FOX, CNN, CBS Evening News and Oprah's "Oprah and Friends" XM Satellite Radio show. He has contributed to CNBC's "On The Money" and "The Millionaire Inside", Freddie Mac's "Know Your Score" campaign, Oprah's "Debt Diet" series and The Suze Orman Show. He is also a frequent commentator on credit-related issues in various outlets including CNBC, Associated Press, USA TODAY, Los Angeles Times, New York Times,, Washington Post, American Banker, Wall Street Journal,, Money Magazine,, and other regional business and consumer media.

    In his hometown of Atlanta, John teaches an ongoing course of credit reporting and credit scoring, when offered, at The Emory University Center for Lifelong Learning and was named by the students the Top Personal Finance and Investments Instructor for the 2005/2006 term. He is also a regular guest lecturer at The Westminster Schools in Atlanta, The Walker School in Marietta, GA and the University of Georgia in Athens.

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