Published Weekly at Vantage Score, Zillow, and The Simple Dollar

John’s information is spot-on, providing consumers with timely and relevant financial education tips in a user-friendly manner. In the increasingly complex world of personal finance, John Ulzheimer is a consumer’s dream come true.

Gail Cunningham, VP of Public Relations National Foundation for Credit Counseling

If you want the inside scoop on credit scores and bureau reports, John is simply the best.

Craig Watts, Public Affairs Manager, Fair Isaac Corporation

You’re the best teacher on the subject (credit scoring) I’ve ever had.

Jean Chatzky, Financial Editor for NBC’s Today Show and featured money coach on Oprah’s “Debt Diet” series.

John is a world-class expert. His knowledge is broad, as well as deep, and he makes complex topics simple with plain-speak and a sense of humor. If you’re experiencing credit-related issues, then you have to spend time with John.

Scott Mitic, CEO, Trusted ID, Inc.

John appears on FOX and discusses retail store credit cards and how they can lower your credit scores

John is interviewed on FOX and discusses the top credit card complaints

John appears on FOX’s Good Day Atlanta and talks about retail store credit cards

Smart Credit for the Holidays:

John is interviewed on FOX and talks about how to budget for the holiday season

John is interviewed on FOX and discusses how having a great score doesn’t mean you’ll get approved

The truth about what happens when you close old accounts?

John – I’ve heard you shouldn’t close old credit card accounts because older accounts are good for your FICO scores and closing them can hurt your scores. Is that true?

Answer – That is absolutely not true. You’ve identified what I believe is the 2nd most common myth in credit scoring, right behind “employers using credit scores.” The myth you’ve identified is that when you close an account you lose the benefit of the age of that account. That’s incorrect. A 10 year old account is still 10 years old whether it’s open or closed. Further, closed accounts still age. So, if you opened a credit card account 5 years ago and then immediately closed it…it’s still a 5 year old account and is being considered as such as long as the account is on your credit reports.

I posed this question to Craig Watts from FICO and he confirmed what I already knew from my time at FICO.

“When assessing length of credit history, the FICO score considers the origination date on all accounts on the credit report, open and closed. So an account that was opened for just one year 10 years ago still counts 10 years toward length of credit history in the eyes of the FICO Score, everything else being equal.”

Now, closing the card might have a negative impact to your scores because of the impact to your revolving utilization percentage. You’re eliminating some amount of unused credit limit from consideration in your FICO scores and THAT can lower your scores.

John is interviewed by FOX and discusses how credit card issuers are trying to entice debit card users to switch to credit cards

John is interviewed of FOX’s Good Day Atlanta and talks about bank fees

Banks Call Off Debit Card Fees:

John is interviewed by FOX and discusses where bank fees will pop up in 2012

John is interviewed on FOX and discusses scary credit card stuff for Halloween!!

  • You may have seen John Ulzheimer featured in one of these media publications

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