An expert witness (also known as an Expert Legal Consultant) is a retained asset who by virtue of professional experience has highly specialized knowledge about the consumer credit system and how it works. John's experience in the credit reporting and credit scoring industry makes him an invaluable part of any legal team involved with consumer credit litigation.
John has been a part of the consumer credit environment since 1991 with 6 years at Equifax and 7 years with Fair Isaac
Corporation, inventors of the FICO® credit scoring system. His understanding of the inner workings of credit bureaus, credit
reports, credit reporting practices, the credit bureau's true discover capabilities, and FICO score design and development
has made him a highly sought after credit expert witness and legal consultant for attorneys engaged in consumer
An expert credit witness since 2003, John has been called upon to provide expert testimony for numerous watershed credit
litigation cases including Acosta vs TransUnion, White vs Experian, Pike vs Equifax, and Harris vs TransUnion, Experian, and Equifax.
He has authored numerous educational books on the topic of credit including the recently released "You're Nothing but a Number." He is
a frequent contributor of credit analysis for various outlets including CNBC, USA TODAY, FOX Business Network, CNN, Oprah and
Friends, Los Angeles Times, Washington Post, American Banker, Wall Street Journal, SmartMoney, MarketWatch, MSNBC.com, The
New York Post, New York Daily News, Chicago Tribune, TheStreet.com, Bankrate.com, and other regional business and consumer media.
In his hometown of Atlanta, John teaches a course on credit reporting and scoring at The Emory University Center for Lifeline Learning
and was named the Top Personal Finance and Investments Instructor for the 2006/2006 term. He is also a regular lecturer at the
Westminister Schools in Atlanta.
For a free copy of John's white paper entitled, "Common Mistakes Made By Ineffective Expert Credit Witnesses", contact John here or
by phone at 404.636.3777
To date, John's case distribution is 50/50 consumer/industry.
"I believe that one of the main reasons the plaintiffs finally asked to settle was your strong deposition testimony."
-Ron M. Arlas, Esq. GreenPoint Mortgage Funding
Download John's full CV here
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