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FDCPA Expert Witness

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Meet the FDCPA Expert WITNESS

John Ulzheimer

John Ulzheimer, President of The Ulzheimer Group, LLC and Founder of CreditExpertWitness.com, is a nationally recognized expert on credit reporting, credit scoring and identity theft. In addition, his expertise includes FCRA, FDCPA, CROA, and credit report and credit score damages. He has been retained as an expert witness/legal consultant in credit related litigation over 430 times and has been qualified and admitted as an expert in Federal and State court.
John is twice FCRA certified by the Consumer Data Industry Association (the trade association of the credit reporting agencies) and has 28+ years of experience in the consumer credit industry including positions with Equifax Information Services, Fair Isaac (the inventor of the FICO® credit scoring system), Credit.com, and years of concurrent work with numerous consumer credit related companies.
John currently is or was the credit blogger for:
John has been published and quoted over 5,000 times in the past 16 years on the topic of consumer credit. He has authored or created numerous educational materials on the subject including:
Ulzheimer has extensive knowledge concerning the credit industry and has great courtroom demeanor. Ulzheimer is highly recommended to any law firm that needs an expert concerning the FCRA, FDCPA, credit reports, credit scores, credit damages, and reasonableness of procedures for credit related disputes and reinvestigations.
Cory Rooney, Owner/Attorney
Law Firm of Cory J. Rooney, PC
John has an incredible understanding of credit reporting, credit scoring and credit bureau practices and standards. If you're looking for an expert in consumer credit John comes highly recommended by my office. His knowledge of credit reporting and payment history patterns helped to identify grossly incorrect opinions proffered by a Defendant's expert witness.
Jeff Badgley, Principal
Badgley Law Group

The Role of a FDCPA Expert Witness

When a consumer defaults on a loan, credit card or other debt it’s not uncommon for the original creditor or service provider to outsource the collection of such a debt to an outside party referred to as a 3 rd party debt collector. These debt collectors are more commonly referred to as collection agencies. And generally, consumers don’t have pleasant things to say about collection agencies.

Despite the collection industry’s generally poor reputation, these companies serve a very important purpose, which is to recover monies that are rightfully due and owing. There are also strict Federal and state laws that define how these debt collectors must operate. One of these statutes is the Fair Debt Collection Practices Act or FDCPA.

FDCPA lawsuits are similarly common as FCRA lawsuits given they both tend to touch credit reporting, credit scoring and potentially credit damages. And, like FCRA litigation, collection agency related litigation often leads to the need for an FDCPA expert witness. FDCPA expert witnesses are often asked to opine about the practices of a 3rd party debt collector and the potential impact of the collection agency account on a consumer’s credit reports and credit scores.

One of the challenges FDCPA expert witnesses face, more so when they’re on the Plaintiff’s side of the dispute, is to isolate the impact or potential impact of the collection account. The reason it’s difficult to measure the impact of a collection is because most consumers who have one collection have other unrelated derogatory items, such as other collections or record of defaulted debts.

It’s possible for an FDCPA expert witness to perform a credit score impact analysis and quantify the true impact of a collection account. And, in many cases that analysis will prove that the collection had no impact on a consumer’s score, at all. These impact analyses are more often used by FDCPA expert witnesses who are retained on behalf of a collection agency as a way to undercut the alleged negative impact of their credit reporting.

There are two types of FDCPA experts:

There are those who have researched the industry from the outside, the academic. And there are those who have spent significant time functioning within it, the real expert.
Our experts have built FICO scores, managed the credit bureau dispute process, developed the consumer websites where credit data is being sold, trained credit bureau sales representatives, developed FICO score training programs, and have made hundreds of credit presentations of varying levels of complexity.

Contact John Ulzheimer at (866) 985-8884 to discuss your case.