John Ulzheimer - Nationally Recognized Credit Expert and Expert Witness, Legal Consultant, Trainer, Small Business Consultant, Keynote Speaker, and Author



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John is interviewed by the New York Times and discusses how credit card issuers are starting to extend credit to higher risk borrowers  Read More...
John is interviewed by the Minneapolis Star Tribune and discusses companies that sell fake credit scores  Read More...
John is interviewed by Wall Street Cheat Sheet and talks about the 5 things to do before the end of the year  Read More...

Privacy Policy is owned by The Ulzheimer Group, LLC.

This was most recently updated as of July 2010

We take the privacy and security of your non-public sensitive information seriously, and think it is important that you understand why we may collect your data.

We may collect anonymous and contact information as a normal part of normal operations on this web site. We automatically collect anonymous non-personal information from every visitor to the site as do most other companies on their web sites. also collects your name and email address if you submit a request on the "Contact John" page.

We automatically track and collect web traffic data. Web traffic data is information that does not identify you personally but may include your IP address, URL domain server and other similar types of information that help measure site performance data. We use cookies to track web traffic. No sensitive information is revealed in the collection and tracking process. In order for you to send a message via the Contacts page, you will be required to provide us with personal information like your contact information:

  • *Name
  • *E-mail Address

    We keep some of the information we obtain from your interactions on our site:

    Non personal, non sensitive tracking and web traffic data is stored in our files for 90 days.

    We use your e-mail address to:

  • * Contact you if we need your assistance;
  • * Send you newsletters, and other materials. reserves the right to share your information including your e-mail address without your consent when:

    1. Ordered to do so by court order or subpoena; or
    2. Cooperating with law enforcement investigations; or
    3. We determine that any of your activities will harm the property, rights or users of;or
    4. To verify the integrity of the data collected

    Your Consent To This Privacy Policy

    By using this web site, you represent to us that you are an adult under the laws of the place where you reside and that you agree with the terms of this privacy policy and with the Terms and Conditions posted on this site. If you are not an adult under the laws of the place where you reside, or if you do not agree with any provision of this policy or the Terms and Conditions, please do not use this web site, and do not provide any information to us.

    Contact Us

    If you have questions or concerns regarding this statement, you should contact us using our online submission form.

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