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.

Experience encompasses all aspects of trading from buying and selling, dealing with banking lines and documentary credit problems, to insurance and shipping.

Areas of Expertise Business & Agricultural Loans, Lines of Credit and Real Estate Loans Business Banking Relationships Business Credit Analysis Loan Documentation Business Enterprise Economic Analysis Loan & Real Estate Due Diligence Real Estate Purchase & Sale Transactions Loan Foreclosures Problem Loan Management Real Estate Management   Supported by Over 40 years in commercial and agricultural banking Over 10 years as manager of problem loan department 3 years as Chapter 11 trustee Appointed provisional director for family corporation Negotiated dissolution of several joint ventures Established property mgmt. company for John Hancock Life Ins. Co. Testified in depositions and court in cases for employers, as Chapter 11 trustee, and as an expert   Education A. A., Northeastern Jr. College, Sterling, CO B. S., Colorado State University, Ft. Collins, CO   Additional Coursework Housing Counseling Certification, NeighborWorks America Contractor License Series, Allied Business Schools 7-Course Real Estate Broker Series, University Programs Mgmt. Training Series, John Hancock Life Ins. Co. Colorado School of Banking, University of Colorado Chapter 11 Trustee, U.S. Trustee Arbitrator Training, American Arbitration Association Toxic and Hazardous Substance, DBS&R   Licenses & Certification California Real Estate Broker since 1992 HUD Certified Housing Counselor since 2006    SEE CASE SYNOPSIS ON WEBSITE.

  Areas of Expertise Business & Agricultural Loans, Lines of Credit and Real Estate Loans Business Banking Relationships Business Credit Analysis Loan Documentation Business Enterprise Economic Analysis Loan & Real Estate Due Diligence Real Estate Purchase & Sale Transactions Loan Foreclosures Problem Loan Management Real Estate Management Supported by Over 40 years in commercial and agricultural banking Over 10 years as manager of problem loan department 3 years as Chapter 11 trustee Appointed provisional director for family corporation Negotiated dissolution of several joint ventures Established property mgmt. company for John Hancock Life Ins. Co. Testified in depositions and court in cases for employers, as Chapter 11 trustee, and as an expert Education A. A., Northeastern Jr. College, Sterling, CO B. S., Colorado State University, Ft. Collins, CO Additional Coursework Housing Counseling Certification, NeighborWorks America Contractor License Series, Allied Business Schools 7-Course Real Estate Broker Series, University Programs Mgmt. Training Series, John Hancock Life Ins. Co. Colorado School of Banking, University of Colorado Chapter 11 Trustee, U.S. Trustee Arbitrator Training, American Arbitration Association Toxic and Hazardous Substance, DBS&R Licenses & Certification California Real Estate Broker since 1992 HUD Certified Housing Counselor since 2006

A leader in the development of the Information Technology strategy and tactical planing. Expert in the development and implementation of the companys largest integrations and systems projects.

30+ years of commercial/residential real estate lending experience in major southwest US markets. 10+ years of management experience in a commercial banking environment. Expert in underwriting, documentation and administration of real estate portfolios. Expert in early detection and work out of problem assets, loss mitigation, bankruptcy, OREO. Extensive lending experience with local, regional and national home builders. Excellent business development, negotiation, credit analysis and presentation skills. Ability to create high yielding production offices and build efficient, productive and cohesive teams.

Vx Associates provides expert witness and forensic services to law firms in banking-related matters. The firms principals are experienced former bankers, regulators and educators.

Mark Baldwin is an experienced architect, designer, developer and manager in the computer and video game industry. He has 20 years experience in the industry with over 25 retail software products to his credit, including 'Game of the Year'. Mark has been Vice President of Development for Moto1 and Quantum Quality Productions, and President of White Wolf Productions.  

Twenty-five years of technical and executive management experience in software development, telecommunications network design, implementation, operations and consulting.

Provides on site primary care worker’s compensation.  Also director of post hire preplacement physical examinations.  Consults with Risk Management regarding employee health safety, materials handling, industrial hygiene, ergonomics and infectious disease exposure.  Consulting and participation in the Advent of Health and Productivity Management.  Performs fitness for duty evaluations all departments. Degree: MD  Specialties: Internal Medicine