The Expert Files
Expert Credit Secrets presented by John Ulzheimer, a 26 year veteran in consumer credit, published author, and former employee of Equifax consumer credit reporting agency.
Who is John Ulzheimer and why should you listen to him?
How to understand your credit report and credit score
What is the NCAP and how can it help you remove judgements and tax liens from your credit report
John answers questions from members of the Facebook Group and speaks on the IMPORTANCE of deleting tax liens and judgements
How to understand bankruptcy reporting, the value of credit cards vs charge cards, and how often your information is updated on your credit report
How to understand the Equifax data breach that effected 143 million consumers
John goes into detail of the chronology of events that goes into disputing directly with the credit bureaus
How to understand your credit score, applying for credit cards, and credit limits
How to understand personal guarantees and vantage scores vs FICO scores
How to understand divorced credit vs joint credit and how often your credit reports are updated
How to understand credit freezes and credit locks in response to the Equifax data breach
How to understand Chapter 13 vs Chapter 7 bankruptcies
Understanding student loans and how the NFL Draft relates to the credit scores
How the President signed a bill that amends the Fair Credit Reporting Act