John Ulzheimer is a recognized expert on credit reporting, credit scoring and identity theft. With over 29 years of industry experience, including time with both FICO and Equifax, John is one of the few recognized credit experts who actually comes from the credit industry.
He has written four books and thousands of articles about credit since 2004 and is a frequent commentator on credit-related issues for various outlets including CNBC, U.S. News and World Report, Kiplinger, American Banker, The Wall Street Journal, The New York Times, Consumer Reports, MarketWatch, Forbes, and other regional business and consumer media.
Since 2006, John has been a regular guest lecturer at The University of Georgia; in 2016, John began guest lecturing at The Emory University School of Law. John has served as an expert witness in over 450 credit -related lawsuits and has been qualified to testify in both federal and state courts.
To view important disclosures about the Experian Smart Money™ Digital Checking Account & Debit Card, visit experian.com/legal.
The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.
Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy.
Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities, unless sponsorship is explicitly indicated. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website.
Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.