John Ulzheimer's guest appearances

John Ulzheimer

Creating Wealth Real Estate Investing with Jason Hartman

Jill on Money with Jill Schlesinger

The Financial Fitness Show: Personal Finance, Money Management, and Wealth Building Tips

Business Innovators Radio

KUCI: Privacy Piracy

Creating Wealth Real Estate Investing - Archive Episodes 301-400

Recalculating Small Business

The Ross Kaminsky Show

Theresa Payton

Charles Schwab

Jim Gray

Scott Adams

Beth Kobliner

Dan Mitchell

Michael Lewis

Kevin Mitnick

Bill Bratton

Cal Newport

Paul Myhil

Ric Prado

Dan Solove

Lorie Smith

Jim Bank

OwlTail

In this episode of the TurboPassUSA Podcast, hosts Marco Salinas and Ken Jarman interview credit expert John Ulzheimer to gain insights into the complex world of consumer credit. As former professionals in the consumer credit space, Marco and Ken recognize the importance of accurate information and turn to John as a trusted source.John Ulzheimer is a nationally recognized credit expert, four-time book author, and president of the Ulzheimer Group. With experience at FICO, Equifax, and Credit.com, John brings a wealth of knowledge and expertise to the conversation. He is also the founder of CreditExpertWitness.com, making him the only credit expert who comes from the credit industry.Throughout the episode, John shares his insights on a range of topics related to consumer credit. He emphasizes the importance of understanding credit scores and how they are calculated, as well as the impact of credit utilization on credit scores. John also addresses common misconceptions about credit, such as the belief that carrying a balance on a credit card is necessary to build credit.Marco and Ken engage in a lively discussion with John, asking questions and seeking clarification on various aspects of consumer credit. John’s clear and direct communication style makes the complex world of credit more accessible to listeners, and his expertise shines through in every answer.Overall, this episode provides valuable insights into the world of consumer credit and offers practical advice for anyone looking to improve their credit score or better understand the credit system. Listeners will come away with a newfound appreciation for the importance of accurate information and the value of seeking out trusted experts like John Ulzheimer.John’s Profilelinkedin.com/in/john-ulzheimer-3a3aa0Websitesjohnulzheimer.com/ (Personal)creditexpertwitness.com/ (Company)creditexpertwitness.com/ (Blog)TwitterjohnulzheimerTurboPassUSA Podcasthttps://businessinnovatorsradio.com/turbopassusa-podcast/Source: https://businessinnovatorsradio.com/navigating-the-complex-world-of-consumer-credit-insights-from-credit-expert-john-ulzheimer

In this episode of the TurboPassUSA Podcast, hosts Marco Salinas and Ken Jarman interview credit expert John Ulzheimer to gain insights into the complex world of consumer credit. As former professionals in the consumer credit space, Marco and Ken recognize the importance of accurate information and turn to John as a trusted source. John Ulzheimer is a nationally recognized credit expert, four-time book author, and president of the Ulzheimer Group. With experience at FICO, Equifax, and <a href="http://Credit.com" rel="nofollow" target="_blank">Credit.com</a>, John brings a wealth of knowledge and expertise to the conversation. He is also the founder of <a href="http://CreditExpertWitness.com" rel="nofollow" target="_blank">CreditExpertWitness.com</a>, making him the only credit expert who comes from the credit industry. Throughout the episode, John shares his insights on a range of topics related to consumer credit. He emphasizes the importance of understanding credit scores and how they are calculated, as well as the impact of credit utilization on credit scores. John also addresses common misconceptions about credit, such as the belief that carrying a balance on a credit card is necessary to build credit. Marco and Ken engage in a lively discussion with John, asking questions and seeking clarification on various aspects of consumer credit. John’s clear and direct communication style makes the complex world of credit more accessible to listeners, and his expertise shines through in every answer. Overall, this episode provides valuable insights into the world of consumer credit and offers practical advice for anyone looking to improve their credit score or better understand the credit system. Listeners will come away with a newfound appreciation for the importance of accurate information and the value of seeking out trusted experts like John Ulzheimer. John’s Profile <a href="https://www.linkedin.com/in/john-ulzheimer-3a3aa0" rel="noreferrer noopener nofollow" target="_blank">linkedin.com/in/john-ulzheimer-3a3aa0</a> Websites <a href="http://www.johnulzheimer.com/" rel="noreferrer noopener nofollow" target="_blank">johnulzheimer.com/</a> (Personal) <a href="http://www.creditexpertwitness.com/" rel="noreferrer noopener nofollow" target="_blank">creditexpertwitness.com/</a> (Company) <a href="http://www.creditexpertwitness.com/" rel="noreferrer noopener nofollow" target="_blank">creditexpertwitness.com/</a> (Blog) Twitter <a href="https://twitter.com/johnulzheimer" rel="noreferrer noopener nofollow" target="_blank">johnulzheimer</a> TurboPassUSA Podcast <a href="https://businessinnovatorsradio.com/turbopassusa-podcast/" rel="noreferrer noopener nofollow" target="_blank">https://businessinnovatorsradio.com/turbopassusa-podcast/</a> Source: <a href="https://businessinnovatorsradio.com/navigating-the-complex-world-of-consumer-credit-insights-from-credit-expert-john-ulzheimer" rel="noreferrer noopener nofollow" target="_blank">https://businessinnovatorsradio.com/navigating-the-complex-world-of-consumer-credit-insights-from-credit-expert-john-ulzheimer</a>

Navigating the Complex World of Consumer Credit: Insights from Credit Expert John Ulzheimer

How many of you were impacted by the recent Equifax data breach? I was, Mark was, and considering 145.5 million other Americans were impacted, I’m going to guess that includes many of you too.Now that the news is out, heads have rolled (CEO Richard Smith has stepped down), Congressional hearings have taken place, where do things stand? More importantly, what should you do? Who should you trust?In times like these, there’s one go-to person: John Ulzheimer, the foremost authority on anything involving credit scores, credit reports, breaches, etc. John is so good that we did this interview on the phone!Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 270 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.We’re going to get into all the dos and don’ts with John, but so you also have the vitals to reference, here are the main takeaways:Contact one (under Federal law, each is obligated to notify the other two) of the three credit bureaus Equifax (800-766-0008), Experian (888-397-3742) and TransUnion (800-680-7289) to put a free fraud alert on your credit report. You should also contact a fourth, lesser known company Innovis. The alert makes it harder for an identity thief to open more accounts in your name, but experts note that alerts usually just slow down the process of criminals opening accounts in your name, they don’t prevent it.If someone has used your information to make purchases or open accounts, file a complaint with the Federal Trade Commission and print your Identity Theft Affidavit. Use that to file a police report and create your Identity Theft Report.Place a credit-freeze on your credit file, which generally stops all access to your credit report. Unfortunately, you need to contact all the companies to freeze your file. Here are the links: Equifax; Experian; TransUnion and Innovis. Important note about a freeze: If you need to access credit, you have to unfreeze your records, which can take a few days. Some states charge a fee for placing or removing a credit freeze, but it’s free to place or remove a fraud alert.I’m not trying to freak you out or make you even more paranoid, but the reality of the situation is not if your information will be compromised, but when.For tips on how to minimize the chances of it happening, and what to do if it does, follow John on Twitter.“Better Off” is sponsored by Betterment.We love feedback so please leave us a rating or review in iTunes."Better Off" theme music is by Joel Goodman, www.joelgoodman.com.For a recap of every episode, visit https://www.betterment.com/resources/topics/inside-betterment/better-off-podcast/Connect with me at these places for all my content:http://www.jillonmoney.com/https://twitter.com/jillonmoneyhttps://www.facebook.com/JillonMoneyhttps://www.instagram.com/jillonmoney/https://www.youtube.com/c/JillSchlesingerhttps://www.linkedin.com/in/jillonmoney/https://soundcloud.com/jill-schlesingerhttp://www.stitcher.com/podcast/jill-on-moneyhttp://betteroffpodcast.com/https://itunes.apple.com/us/podcast/better-off-jill-schlesinger/id431167790?mt=2  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy   Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

How many of you were impacted by the recent Equifax data breach? I was, Mark was, and considering 145.5 million other Americans were impacted, I’m going to guess that includes many of you too. Now that the news is out, heads have rolled (CEO Richard Smith has stepped down), Congressional hearings have taken place, where do things stand? More importantly, what should you do? Who should you trust? In times like these, there’s one go-to person: John Ulzheimer, the foremost authority on anything involving credit scores, credit reports, breaches, etc. John is so good that we did this interview on the phone! Formerly of FICO, Equifax and <a href="http://Credit.com" rel="nofollow" target="_blank">Credit.com</a>, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 270 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit. We’re going to get into all the dos and don’ts with John, but so you also have the vitals to reference, here are the main takeaways:Contact one (under Federal law, each is obligated to notify the other two) of the three credit bureaus Equifax (800-766-0008), Experian (888-397-3742) and TransUnion (800-680-7289) to put a free fraud alert on your credit report. You should also contact a fourth, lesser known company Innovis. The alert makes it harder for an identity thief to open more accounts in your name, but experts note that alerts usually just slow down the process of criminals opening accounts in your name, they don’t prevent it.If someone has used your information to make purchases or open accounts, file a complaint with the Federal Trade Commission and print your Identity Theft Affidavit. Use that to file a police report and create your Identity Theft Report.Place a credit-freeze on your credit file, which generally stops all access to your credit report. Unfortunately, you need to contact all the companies to freeze your file. Here are the links: Equifax; Experian; TransUnion and Innovis. Important note about a freeze: If you need to access credit, you have to unfreeze your records, which can take a few days. Some states charge a fee for placing or removing a credit freeze, but it’s free to place or remove a fraud alert.I’m not trying to freak you out or make you even more paranoid, but the reality of the situation is not if your information will be compromised, but when. For tips on how to minimize the chances of it happening, and what to do if it does, follow John on Twitter. “Better Off” is sponsored by Betterment. We love feedback so please leave us a rating or review in iTunes. "Better Off" theme music is by Joel Goodman, <a href="http://www.joelgoodman.com" rel="nofollow" target="_blank">www.joelgoodman.com</a>. For a recap of every episode, visit <a href="https://www.betterment.com/resources/topics/inside-betterment/better-off-podcast/" rel="nofollow" target="_blank">https://www.betterment.com/resources/topics/inside-betterment/better-off-podcast/</a> Connect with me at these places for all my content: <a href="http://www.jillonmoney.com/" rel="nofollow" target="_blank">http://www.jillonmoney.com/</a><a href="https://twitter.com/jillonmoney" rel="nofollow" target="_blank">https://twitter.com/jillonmoney</a><a href="https://www.facebook.com/JillonMoney" rel="nofollow" target="_blank">https://www.facebook.com/JillonMoney</a><a href="https://www.instagram.com/jillonmoney/" rel="nofollow" target="_blank">https://www.instagram.com/jillonmoney/</a><a href="https://www.youtube.com/c/JillSchlesinger" rel="nofollow" target="_blank">https://www.youtube.com/c/JillSchlesinger</a><a href="https://www.linkedin.com/in/jillonmoney/" rel="nofollow" target="_blank">https://www.linkedin.com/in/jillonmoney/</a><a href="https://soundcloud.com/jill-schlesinger" rel="nofollow" target="_blank">https://soundcloud.com/jill-schlesinger</a><a href="http://www.stitcher.com/podcast/jill-on-money" rel="nofollow" target="_blank">http://www.stitcher.com/podcast/jill-on-money</a><a href="http://betteroffpodcast.com/" rel="nofollow" target="_blank">http://betteroffpodcast.com/</a><a href="https://itunes.apple.com/us/podcast/better-off-jill-schlesinger/id431167790?mt=2" rel="nofollow" target="_blank">https://itunes.apple.com/us/podcast/better-off-jill-schlesinger/id431167790?mt=2</a> To learn more about listener data and our privacy practices visit: <a href="https://www.audacyinc.com/privacy-policy" rel="nofollow" target="_blank">https://www.audacyinc.com/privacy-policy</a> Learn more about your ad choices. Visit <a href="https://podcastchoices.com/adchoices" rel="nofollow" target="_blank">https://podcastchoices.com/adchoices</a>