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



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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...

Services...Expert Witness

  • Custom Credit Seminars
  • Expert Witness
  • Small Business Consulting
  • In House Training

  • Expert Credit Witness And Legal Consultant Services

    An expert witness (also known as an Expert Legal Consultant) is a retained asset who by virtue of professional experience has highly specialized knowledge about the consumer credit system and how it works. John's experience in the credit reporting and credit scoring industry makes him an invaluable part of any legal team involved with consumer credit litigation.

    John has been a part of the consumer credit environment since 1991 with 6 years at Equifax and 7 years with Fair Isaac Corporation, inventors of the FICO® credit scoring system. His understanding of the inner workings of credit bureaus, credit reports, credit reporting practices, the credit bureau's true discover capabilities, and FICO score design and development has made him a highly sought after credit expert witness and legal consultant for attorneys engaged in consumer credit litigation.

    An expert credit witness since 2003, John has been called upon to provide expert testimony for numerous watershed credit litigation cases including Acosta vs TransUnion, White vs Experian, Pike vs Equifax, and Harris vs TransUnion, Experian, and Equifax.

    He has authored numerous educational books on the topic of credit including the recently released "You're Nothing but a Number." He is a frequent contributor of credit analysis for various outlets including CNBC, USA TODAY, FOX Business Network, CNN, Oprah and Friends, Los Angeles Times, Washington Post, American Banker, Wall Street Journal, SmartMoney, MarketWatch,, The New York Post, New York Daily News, Chicago Tribune,,, and other regional business and consumer media.

    In his hometown of Atlanta, John teaches a course on credit reporting and scoring at The Emory University Center for Lifeline Learning and was named the Top Personal Finance and Investments Instructor for the 2006/2006 term. He is also a regular lecturer at the Westminister Schools in Atlanta.

    For a free copy of John's white paper entitled, "Common Mistakes Made By Ineffective Expert Credit Witnesses", contact John here or by phone at 404.636.3777

    To date, John's case distribution is 50/50 consumer/industry.

    "I believe that one of the main reasons the plaintiffs finally asked to settle was your strong deposition testimony."

    -Ron M. Arlas, Esq. GreenPoint Mortgage Funding

    Download John's full CV here
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