Guest Articles by Credit Expert John Ulzheimer

02/21/2020
Are Revolving Accounts More Powerful Than Installment Accounts?

Are Revolving Accounts More Powerful Than Installment Accounts?

Revolving accounts and installment accounts are both important for building credit, but they do not have an equal influence on your credit score. Which type of account is more powerful for your score?
02/15/2020
Credit scoring "buckets" can complicate the effect that a dispute may have on your credit score.

What Are Credit Scoring “Buckets?”

Credit expert John Ulzheimer explains how credit scoring "buckets" work in assigning points to your credit score.
11/14/2019
Do Federal Laws Really Help Me Establish Credit? by John Ulzheimer

Do Federal Laws Really Help Me Establish Credit?

Do the FCRA and the CARD act help consumers to establish credit? Credit expert John Ulzheimer weighs in.
10/30/2019
Don’t I Have the Right to a Credit Report? by John Ulzheimer

Don’t I Have the Right to a Credit Report?

Do consumers have the right to certain credit report information or even the right to a credit report at all? Credit expert John Ulzheimer explains the answer to this important question.
09/23/2019
What’s the Difference Between Credit Repair and Adding Tradelines?

What’s the Difference Between Credit Repair and Adding Tradelines?

There is a disconnect between what is understood as traditional credit repair versus adding tradelines to your credit reports. Credit expert John Ulzheimer explains the difference in this article.
08/28/2019
How Are Authorized User Tradelines Considered by Credit Scoring Systems? By John Ulzheimer

How Are Authorized User Tradelines Considered by Credit Scoring Systems?

Just like primary accounts, authorized user tradelines can help or hurt your credit score, depending on how they are managed.
07/09/2019
What is the "right" number of credit cards?

What’s the “Right” Number of Credit Cards?

What is the right number of credit cards to have in your credit file? Credit expert John Ulzheimer explains the answer.
06/20/2019

Credit Expert: Can Authorized User Tradelines Build Credit?

Authorized user tradelines can be a fantastic way to build your credit reports and credit scores, according to credit expert John Ulzheimer.
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