FCRA, FDCPA, Identity Theft, Credit Damages expert. John Ulzheimer is the president of Consumer Education for Credit.com and The Ulzheimer Group. He has spent 18+ years in the consumer credit environment with 6 of those years at Equifax and 7 with FICO, inventors of the FICO credit score. He has detailed understanding of credit bureaus, credit reports, credit reporting practices, FICO credit scores he is a highly sought after credit expert witness and legal consultant for attorney’s engaged in consumer credit litigation. An expert credit witness since 2003, John’s case list load to date exceeds 45 cases and is 50/50 consumer/industry. Based in Atlanta, San Francisco and New York with no geographic boundaries.

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John Ulzheimer , President of Consumer Education for Credit.com and The Ulzheimer Group, LLC, 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 also serves as an expert witness and legal consultant for clients involved in credit related litigation.

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

* The recently released book, You're Nothing but a Number, Why achieving great credit scores should be on your list of wealth building strategies.
* The Credit Report Card, an innovative educational credit report and score designed to teach you where your credit really stands.
* The White Paper, Common Mistakes Made by Ineffective Credit Expert Witnesses.

Relevant Experience at Equifax - Managed consumer dispute process including consumer interview, logging consumer dispute onto credit report, communicating with data furnisher to validate credit file accuracy, modified consumer credit report according to results of investigation, and communicate dispute resolution results to consumer.

Managed relationship between Equifax and thousands of small customers, such as credit unions, car dealerships, banks, and collection agencies. Role included pricing negotiations, cross selling credit products including Credit Marketing Services, credit scores, fraud detection services and data access software.

Managed relationship between Equifax and large strategic clients based in Jacksonville, Florida including large regional bank and national credit card issuer. Role included pricing negotiations, cross selling credit products including Credit Marketing Services, and credit scores.

Relevant Experience at Fair Isaac - Supported all of Fair Isaac's credit bureau based scores sold by North American credit reporting agencies; Equifax, Equifax Canada, TransUnion, TransUnion Canada, and Experian. Managed credit score pricing for several years. Well versed in credit score validations, impact analysis, score migration studies, credit scorecard development and what influences credit scores. Performed hundreds of credit score trainings to audiences of all of levels sophistication including lenders, credit bureaus, members of Congress, consumer groups and consumers.

In his hometown of Atlanta, John teaches an ongoing course on credit reporting and scoring 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.

Recent case list provided upon request

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