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 is interviewed by FOX and discusses the dark side of debit cards

Should I pay off my house early? My answer on

John is Interviewed by FOX and Discusses Results of Credit Report Accuracy Study

John is interviewed at FOX’s Good Day Atlanta and Discusses Dealing With Abusive Debt Collectors

How to Handle Debt Collectors:

John is interviewed by FOX and discusses how long negative items remain on your credit reports

John is Interviewed on CNBC about the CARD Act’s impact on stay at home spouses

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Why Does Defaulted Credit Card Debt Show Up Twice?

Hi John, If a collection account has been paid in full for a credit card, can either the credit card or the collection be removed from a credit report? It seems that is a double whammy. If I didn’t pay the issuer and they sent me to collections, my card account record shows a charge-off, but I actually did pay it to a collection agency. To me that sounds unfair because I did repay the debt.

Answer, I don’t disagree that it seems a little unfair for one debt to be showing up twice on the credit report. But, the issuer isn’t breaking any law and neither is the collection agency. As long as the original account shows that you don’t owe them anything it’s being correctly reported. It can even get worse. If the collection agency sues and wins in court your credit file could also show a judgment.

John is Interviewed by ABC News San Francisco About Behavior Scores

How Long Does a Bankruptcy Remain on a Credit Report?

John, I filed bankruptcy 7 years ago. I heard that bankruptcies have to be deleted after 7 years but it’s not. Are the credit bureaus breaking the law?

Answer, No the credit bureaus are not breaking the law. Chapter 7 bankruptcies can remain on your credit files for 10 years from the date filed. Chapter 13 bankruptcies can remain on your credit files for 7 years from the date discharged, but no longer than 10 years. Chapter 13s take a few years to discharge so most of them stay on file for 10 years. Sorry, I know that’s not the answer you wanted.

How Can I Get Tax Liens Off My Credit Reports?

John, Thanks for your informative website. My question relates to your post about how IRS will remove a tax lien from your credit report if you pay off your debt to them in full. My question: I have a “State Tax Lien” that is filed on my credit report. Does this still fall within the IRS new law. ie. if I pay off my state tax lien will the State of California remove the lien from all 3 credit agencies.

Answer – Unfortunately the IRS’ new tax lien policy applies only to Federal Tax Liens and not to state tax liens. Having said that, if you have paid the CA lien in full it doesn’t cost you a dime to ask them for a withdrawal. If you are successful then you will be able to have the lien removed from your credit reports because the credit reporting agencies don’t maintain withdrawn liens, state or Federal.

Also, I need to point something out from your question. The State of CA didn’t put the lien on your credit reports. The liens are public records and the credit bureaus proactively pull them from courthouse records and then place them on credit files. So, if you are successful getting the state to withdraw the lien they won’t be the one to have them removed from your credit reports. You’ll simply need to file a dispute with all three of the credit bureaus, include a copy of the withdrawal paperwork, and then they’ll remove them.

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