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Google Keyword Rankings for : should i use credit expert

1 Experian review: is it the best way to check your credit score?
https://moneytothemasses.com/using-credit/credit-report-2/experian-review-is-it-the-best-way-to-check-your-credit-score
In this impartial review, we look at credit reference agency Experian, assessing its key features and how to access it for free.
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2 Is Experian Boost Worth It? - Bankrate.com
https://www.bankrate.com/finance/credit-cards/is-experian-boost-worth-it/
Experian Boost is a credit-building tool that can instantly raise your FICO score by giving you credit for bills you already pay.
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3 Does Experian Boost Actually Work? | Reviews by Wirecutter
https://www.nytimes.com/wirecutter/money/does-experian-boost-actually-work/
If you have a limited credit history and a credit score below 680, Experian Boost may give you extra credit for paying your utility bills on time.
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4 John Ulzheimer - Experian
https://www.experian.com/blogs/ask-experian/author/john-ulzheimer/
Credit monitoring can help you spot inaccuracies in your credit report that could be the result of identity theft and negatively affect your score. Such ...
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5 7 Best Credit Repair Companies of November 2022 - Money
https://money.com/best-credit-repair-companies/
Experts can provide assistance on the financial steps you can take to improve your credit score, such as opening a new credit card or managing ...
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6 Equifax | Credit Bureau | Check Your Credit Report & Credit ...
https://www.equifax.com/
Equifax can help you monitor your credit reports and better protect ... Credit monitoring from Experian and TransUnion will take several days to begin.
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7 How to check your credit report for free - Money Saving Expert
https://www.moneysavingexpert.com/loans/check-free-credit-report/
Our Affordability Score. This clever tool helps you work out how much you can afford to borrow, using calculations based on your income and ...
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8 Experian: Credit Score - Apps on Google Play
https://play.google.com/store/apps/details?id=net.intellectsoft.experian&hl=en_US&gl=US
The UK's most trusted credit score* is available for free. Get free access to a wide range of our services, from credit score checks, credit card comparison ...
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9 Experian Boost Review: Who Should Use It? - Forbes
https://www.forbes.com/advisor/credit-score/experian-boost-review/
Those most likely to benefit have “thin” credit histories, meaning they don't have many credit accounts to report on-time payments to their ...
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10 How to Quickly Improve Your Credit Score - Chase Bank
https://www.chase.com/personal/credit-cards/education/credit-score/how-to-improve-your-credit-score-fast
The bright side is that good behavior can start impacting your score very quickly. With every payment you make on time, you can put yourself in a better ...
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11 What is considered good credit? How to check your score.
https://www.usatoday.com/story/money/personalfinance/2022/09/22/good-credit-score/10370702002/
A good credit score is generally 680 and above, an Experian credit expert says. Scores of 750 or greater will yield better terms and rates.
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12 When Should You Hire a Credit Expert? - Registered Nurse RN
https://www.registerednursern.com/when-should-you-hire-a-credit-expert/
Advantages of Using a Credit Expert · Credit experts repair credit faster than consumers can. · They are trained in teaching consumers how to budget. · They can ...
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13 Credit Report Review and Counseling | MMI
https://www.moneymanagement.org/credit-report-review
Our experts can help you unlock the secrets of your credit report and start ... it may be an especially good idea to work with a certified credit expert:.
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14 Which credit bureaus do card issuers use to check your credit?
https://www.creditcards.com/credit-management/which-credit-bureaus-do-issuers-use/
Since you never know which credit bureau will be used when you apply for a credit card, your best bet is always staying on top of your credit ...
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15 Credit Expert | Founders Federal Credit Union
https://www.foundersfcu.com/credit-expert
Does enrolling/using Credit Expert affect my credit score?
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16 How Often Should You Check Your Credit Reports?
https://www.nerdwallet.com/article/finance/how-often-should-i-check-my-credit-reports
Credit expert John Ulzheimer suggests a cadence of once a month. ... from the three major credit bureaus by using AnnualCreditReport.com.
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17 Experian vs. Credit Karma: Which Is More Accurate?
https://www.creditkarma.com/advice/i/experian-vs-credit-karma
How can you get your Experian credit scores? Which credit report is most ... Experian Boost isn't a model used to calculate a credit score.
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18 How to check your credit score - Barclaycard
https://www.barclaycard.co.uk/personal/money-matters/credit-score-basics/how-to-check-your-credit-score
Each uses a slightly different scoring system. But don't let that scare you. Because they all base their scores on similar criteria. So if you have one credit ...
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19 Is Experian Boost Worth It? | Credit Cards | U.S. News
https://money.usnews.com/credit-cards/articles/is-experian-boost-worth-it
Even if it doesn't help you, it won't hurt you. Experian Boost won't damage your credit score. It uses no credit inquiry and looks at your bank ...
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20 Experian vs. Equifax: What's the Difference? - Investopedia
https://www.investopedia.com/investing/experian-vs-equifax/
The difference in credit scores at both agencies can be a concern. If one agency provides a particularly low score on an account, no one should assume that this ...
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21 Experian Reviews - Credit & Debt Services - Trustpilot
https://www.trustpilot.com/review/www.creditexpert.com
I Use the credit expert and think it's great, unsure why so many bad reviews. It shows me the positive and negative points and how to get a better score. Date ...
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22 23 Expert-Approved Ways to Improve Your Credit Score
https://www.apartmenttherapy.com/how-to-improve-credit-score-best-tips-36624932
If there's one thing I love, it's a good credit score tip. As long as they're easily understandable and enactable, most people can use them ...
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23 PODCAST: There's No Escaping Your Credit Score (So Make ...
https://www.kiplinger.com/personal-finance/credit-debt/604249/podcast-theres-no-escaping-your-credit-score-so-make-it-count
Kiplinger's credit expert, Lisa Gerstner, joins us to talk credit ... You still have to run the numbers, but it's getting easier to do for ...
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24 I'm a credit expert and there are six easy ways to improve your ...
https://www.thesun.co.uk/money/17387611/credit-expert-ways-to-improve-your-score/
Credit ratings expert James Jones has revealed the quick tricks that could take just half an hour to sort but could have a long lasting ...
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25 How to check your credit score for free - Which? - Which.co.uk
https://www.which.co.uk/money/credit-cards-and-loans/credit-scores/how-to-check-your-credit-score-for-free-avgzx7h867dp
Once you've signed up, your score will remain free to access, but unlike the paid-for CreditExpert service, you won't be able to see your credit report. To be ...
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26 A Guide to Using Credit Cards Responsibly - MoneyGeek
https://www.moneygeek.com/credit-cards/resources/using-credit-cards-responsibly/
On the one hand, they can help you establish a credit history, increase your credit score and make you more attractive to lenders when you need to borrow money.
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27 What Goes Into a Credit Score and How to Improve It - NFCC
https://www.nfcc.org/blog/ask-expert-goes-credit-score-improve/
You also asked: “What can I do to fix it?” As a general rule of thumb, you can improve your credit score if you always make your payments on ...
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28 CreditWise from Capital One | Free Credit Score Report ...
https://www.capitalone.com/creditwise/
Checking your credit score with CreditWise is completely free and won't ... Find out right away so you can take action if your Social Security number or ...
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29 25 Bad Habits That Hike Up Your Credit Score
https://www.gobankingrates.com/credit/credit-score/things-that-can-hurt-credit-score/
Paying down high balances can help improve your credit score. But if you pay down all of your balances at once, your score could take a hit, ...
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30 Experian Credit Expert My Story - YouTube
https://www.youtube.com/watch?v=qRuzvV1j8Pw
Michael Frackowiak Bespoke Tailor Youtube Channel
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31 Experian's CreditExpert named 'best consumer service'
https://www.experianplc.com/media/latest-news/2006/21-03-2006/
As the threat of identity fraud shows no signs of slowing down and the use of credit continues to grow in the UK, services like CreditExpert will become ...
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32 How to check your credit score and report - Wells Fargo
https://www.wellsfargo.com/financial-education/credit-management/check-credit-score/
When you apply for credit, lenders can legally request this document from one or more of the credit bureaus (Experian®, Equifax® and TransUnion®) to assess how ...
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33 Resolve Guide: 8 Steps to Expert Customer Credit Checking
https://resolvepay.com/blog/post/resolve-guide-customer-credit-checking/
Using the old-school methods to check a customer's credit, find their business credit report, credit history, and extend net terms can cost your business in ...
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34 Why A Fraud Expert Advises You to Use Credit Cards
https://nevadasmallbusiness.com/fraud-expert-advises-to-use-credit-cards/
Will someone highjack my number when I make an online purchase? Am I letting myself in for identity theft by using plastic? Frank Abagnale, world-renowned ...
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35 Card Expert, Metrics, Debit Card, Credit Card - Fiserv
https://www.fiserv.com/en/solutions/payments/credit-and-debit-solutions/card-expert.html
By integrating data from multiple sources, Card Expert can enrich your business strategy and ... Answer commonly asked questions with easy-to-use dashboards ...
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36 Does Experian Boost Improve Your Credit? - Time
https://time.com/nextadvisor/credit-cards/experian-boost-credit-score/
Experian Boost can be a great credit-building tool, but it makes a bigger splash for some consumers than others.
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37 Don't Recognize an Account on Your Credit Report? Here's ...
https://wallethub.com/edu/cs/unknown-account-on-credit-report/16963
Immediate Steps To Take · Contact The Creditor In Question The first step in investigating an unrecognized account should always be to call the ...
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38 Why You Should NEVER Hire a Credit Repair Company
https://www.balancepro.org/resources/articles/why-you-should-never-hire-a-credit-repair-company/
If your credit report shows a history of debt problems or contains errors, you may consider using a repair service to “clean it up.” Before you pay, however ...
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39 Automated Credit Score Potential Plans | CreditXpert
https://creditxpert.com/automated-plans/
You likely don't have time to become an expert in the nuances of credit – that's ... How can lenders use CreditXpert tools as a strategic growth engine?
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40 Can You have a Credit Score without a Credit Card?
https://www.consolidatedcredit.org/ask-the-experts/can-you-have-a-credit-score-without-a-credit-card/
This Ask the Expert video explains what types of credit help you build credit ... all and really have no credit score – you should take the following steps: ...
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41 Check Your Experian Credit Score and Report with CreditExpert
https://www.moneyexpert.com/credit-report/
Knowing your credit rating will help you when applying for loans, bank accounts, cards or even mobile phones. Experian helps you to understand and improve ...
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42 Expert suggests using credit report as tool to manage ... - KKTV
https://www.kktv.com/2022/10/31/expert-suggests-using-credit-report-tool-manage-credit-card-debt/
InvestigateTV - Credit cards balances can be scary and overwhelming at times, but according to financial experts, pulling your credit report ...
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43 90 Day Credit Experts | Orem UT - Facebook
https://www.facebook.com/joshthecreditboss/
Credit is key 3 things you should know about the Credit Repair Process! ... Use our affiliate link and get your scores today for $1 ...
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44 Is It Possible to Get a Perfect Credit Score? - American Express
https://www.americanexpress.com/en-us/credit-cards/credit-intel/how-to-get-a-perfect-credit-score/
It might be surprising to know that people with perfect credit scores do in fact use credit, take out loans, and carry debt. The distinguishing factor is ...
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45 Credit score for mortgage: What is the minimum needed?
https://www.themortgagehut.co.uk/expert-articles/bad-credit-mortgages/28/what-is-the-minimum-credit-score-needed-to-get-a-mortgage
Your credit score can certainly impact your choice of lenders as banks use it to get a better understanding of your financial history and the likelihood of your ...
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46 How to Contact a Credit Bureau and Talk to a Real Person
https://smartasset.com/credit-cards/how-to-talk-to-a-credit-bureau
Equifax, Experian and TransUnion all use automated phone lines or ... If you ever find a mistake, you should contact the credit bureau to ...
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47 This Is How a Rapid Rescore Can Boost Your Credit Score Fast
https://tradelinesupply.com/rapid-rescore/
If you are using the rapid rescore to remove inaccurate information that has been dragging down your credit score, then you should see positive ...
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48 Consumer Credit Expert job in Pittsburgh, Pennsylvania ...
https://careers.pnc.com/global/en/job/R111520/Consumer-Credit-Expert
Apply for Consumer Credit Expert job with PNC in Pittsburgh, Pennsylvania, ... candidates should have experience in small business credit ...
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49 Credit inquiries: what you should know about hard and soft pulls
https://www.sba.gov/blog/credit-inquiries-what-you-should-know-about-hard-soft-pulls
Each hard inquiry usually decreases your credit score for a short period of time. It's important to avoid a high number of hard inquiries in a ...
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50 Experian, Equifax, TransUnion or all three? - Credit Ladder
https://www.creditladder.co.uk/experian-equifax-or-both
Companies will run a credit check to decide whether you are eligible for their product, and if appropriate, the interest rate you'll pay.
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51 My Credit Expert
https://www.mycreditexpert.co.za/
To get your free Experian credit report and score, please register (you will have to re-register, if you are an existing Experian CreditExpert user due to ...
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52 Can My Credit Card Issuer Update My Credit Report?
https://www.cardrates.com/advice/can-credit-card-issuer-update-credit-reports/
Since you know this information, you can use it to your advantage. ... John Ulzheimer is an expert on credit reporting, credit scoring, ...
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53 9 Tips To Manage Multiple Credit Cards, From A Top Credit ...
https://www.businessinsider.in/9-tips-to-manage-multiple-credit-cards-from-a-top-credit-expert/articleshow/35792362.cms
Ulzheimer, credit expert at CreditSesame.com, has over 23 years of ... You should have a use in mind for every card before you apply.
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54 What Does a Credit Repair Specialist Do? - The Balance
https://www.thebalancemoney.com/what-does-a-credit-repair-specialist-do-4175466
The information a credit repair specialist collects from you can be used to steal your identity if it lands in the wrong hands.
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55 Experian, Equifax and TransUnion remove fully-paid medical ...
https://www.marketwatch.com/story/it-could-be-the-difference-between-an-approval-and-denial-experian-equifax-and-transunion-remove-fully-paid-medical-debt-from-credit-reports-on-july-1-will-this-help-your-credit-score-11656703154
'The upside is tremendous,' one credit expert said. ... Put together, the changes will erase 70% of the paid medical debt that's been ...
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56 Ask Carolyn Warren – Author and Mortgage and credit expert ...
https://askcarolynwarren.com/
Author and Mortgage and credit expert answers your questions. ... Set up a mobile service to offices where busy executives could use some extra help, ...
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57 How Can I Get a Copy of Someone Else's Credit Report? - Mint
https://mint.intuit.com/blog/credit/how-can-i-get-a-copy-of-someone-elses-credit-report-122011/
Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry.
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58 How rapid rescore can help you qualify for a mortgage in 2022
https://themortgagereports.com/19668/use-a-rapid-rescore-to-qualify-for-a-mortgage
When disputing errors on your credit report, it can take creditors months to update ... The Mortgage Reports loan expert and licensed MLO.
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59 Pave: The Proper Path to Good Credit | Credit Builder App
https://www.paveapp.com/
Build your credit score on Experian, Equifax and TransUnion using our award ... impacts your credit score, and what actions you can take to improve it.
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60 Credit Scoring in Insurance: An Unfair Practice
https://uphelp.org/buying-tips/credit-scoring-in-insurance-an-unfair-practice/
How can you find out what your credit score is and how your insurer is using it? A consumer can get one free credit report annually from each of the three big ...
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61 Credit Score Optimization Suite | Scoring Tools - Xactus
https://xactus.com/scoring-tools/credit-score-optimization-suite/
You can quickly and easily generate a detailed analysis of the applicant's credit score and develop a plan to share with them. Utilize the What-If Simulator – ...
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62 Expert suggests using credit report as tool to manage ... - KY3
https://www.ky3.com/2022/10/31/expert-suggests-using-credit-report-tool-manage-credit-card-debt/
InvestigateTV - Credit cards balances can be scary and overwhelming at times, but according to financial experts, pulling your credit report ...
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63 Experian CreditExpert Review - Your Credit Report
https://yourcreditreport.org.uk/experian-creditexpert-review/
Simply put- it can take a while for your report and outstandings to sync and it may be information that's weeks old but this means that their call was accurate.
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64 Should you use the so-called 609 credit repair loophole?
https://www.wcpo.com/blogs/savings/should-you-use-the-so-called-609-credit-repair-loophole
A popular online search to repair your credit score quick and cheap has been called the ... a personal finance expert with Forbes Advisor.
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65 Grading Your Credit Score - OppLoans
https://www.opploans.com/oppu/articles/grading-your-credit-score/
While people with fair credit can still qualify for most kinds of loans—especially secured loans—this is the point at which the cost of ...
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66 How To Get A Perfect Credit Score: 17 Expert Hacks
https://www.moneyunder30.com/how-to-get-a-perfect-credit-score
Using credit cards and paying back small loans quickly can actually improve your credit score. Having both revolving and tradeline debt is ...
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67 Credit Repair Expert: 8 Best Credit Repair Companies of 2022
https://www.creditrepairexpert.org/
Choosing the right credit repair services or credit repair company is very important. Your credit score will be determined by the credit repair service you use.
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68 Experian: credit reference agencies | CashLady
https://www.cashlady.com/info/credit-reference-experian
With CreditExpert, you can access your full credit report. This provides an opportunity to identify any mistakes or inaccuracies. In most cases, people will ...
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69 Why It's Still So Hard to Fix Credit Report Errors
https://www.consumerreports.org/credit-scores-reports/why-its-still-hard-to-fix-credit-report-errors/
You can run into similar headaches if you have a “mixed” credit file, which involves another person's information commingled with yours—such as ...
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70 Benefits of Having a Good Credit Score
https://www.incharge.org/debt-relief/credit-counseling/credit-score-and-credit-report/why-you-need-good-credit/
You'll have more money in your pocket, which you then could use for investments or savings to make even more money. What harm does bad credit do ...
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71 ClearScore, Noddle, Experian CreditMatcher - what's the ...
https://www.clearscore.com/learn/credit-score-and-report/clearscore-noddle-experian-creditmatcher-whats-the-difference
You can get your Experian score and report for free for 30 days using CreditExpert, but after that it is £14.99 a month.
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72 How Experian Credit Scores Work in the UK - Cashfloat
https://www.cashfloat.co.uk/blog/personal-finance/experian-uk/
Financially savvy people order their credit report so they can work out what steps to take to improve their credit score. As a low credit score ...
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73 How To Take Advantage Of Your Excellent Credit Score
https://northshoreadvisory.com/personal-credit-blog/obtaining-financing/advantage-excellent-credit-score/
Opening new credit reduces your average age of credit which will drop your credit scores. Do not open new cards if you plan on applying for a mortgage or loan ...
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74 5 Tips on How to Get an Excellent Credit Score | Upgrade
https://www.upgrade.com/credit-health/insights/excellent-credit-score/
Applying for new credit and loans can also impact your score, since lenders will do a “hard inquiry” on your credit each time you apply. Too many hard inquiries ...
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75 Understanding the Types and Sources of Consumer Credit
https://www.wolterskluwer.com/en/expert-insights/understanding-the-types-and-sources-of-consumer-credit
Unless you pay off the debt in full each month, you will often have to pay a high-rate of interest or other kinds of finance charges for the use of credit.
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76 Why Did My Credit Score Go Down When Nothing Changed?
https://www.stilt.com/blog/2021/06/why-did-my-credit-score-go-down-when-nothing-changed/
You pay the same bills, use and pay off the same credit cards, and have the same number of ... A small variation in your credit score should be expected.
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77 A Thing Or Two You Should Know About Credit Scores ... - Digg
https://digg.com/money/link/things-you-should-know-about-credit-score-reddit-expert-shawn-k-lane-frs-Q0beRWC8K7
Credit repair Expert Shawn K Lane continued his AMA series on Reddit ... that you don't use even if it's my longest standing credit account?
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78 Financial Expert Offers 5 Key Secrets to Building Credit ASAP
https://storystudio.chron.com/2022/01/financial-expert-offers-5-key-secrets-to-building-credit-asap/
Maybe you're preparing to apply for a credit card, want to take out a ... Whatever the reason may be, chances are you want to do it quickly.
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79 New Credit Score Models and Credit Reporting Are a Focus of ...
https://www.bhfs.com/insights/alerts-articles/2022/new-credit-scoring-models-under-consideration-at-fhfa-while-credit-score-issues-remain-in-political-crosshairs-
The FHFA's new scoring models could require that Fannie Mae and Freddie Mac, the government-sponsored enterprises (the GSEs), who have used the classic FICO ...
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80 Is It Worth It To Pay For Experian Services? - Banks.com
https://www.banks.com/articles/credit/credit-score/experian-services-boost-credit/
You will also have access to additional credit scores used by auto lenders, mortgage lenders, and credit card companies, along with real-time ...
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81 How Long Does Credit Repair Take? - Debt.com
https://www.debt.com/credit-repair/how-long-does-credit-repair-take/
Credit repair can take as litle as 30 days or up to 6 months, depending on ... If you still have questions, head over to our Ask the Expert ...
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82 Credit Monitor - Check Your Score For Free
https://www.moneysupermarket.com/credit-monitor/
While scores differ between credit agencies – and financial product providers use their own scoring system – you can get a good steer by using ...
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83 How Do Credit Cards Work? A Beginner's Guide | The Ascent
https://www.fool.com/the-ascent/credit-cards/how-credit-cards-work-beginners-guide/
FAQs; Credit Card Expert Advice ... You can use a credit card to purchase goods or services with any merchant that accepts credit cards.
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84 Can Your Boss See Your Credit Score? | FinanceBuzz
https://financebuzz.com/boss-see-credit-score
Under the Fair Credit Reporting Act, employers can use information from your credit ... financial advisor and credit expert with EndThrive.
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85 Need a boost to your credit rating? These new financial tools ...
https://www.washingtonpost.com/realestate/need-a-boost-to-your-credit-rating-these-new-financial-tools-might-help/2019/04/02/c48d38ba-54a3-11e9-814f-e2f46684196e_story.html
Seven out of 10 consumers who exhibit good banking and savings behavior should see increased scores using Ultra, according to FICO. (FICO scores ...
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86 We are the credit repair experts - CreditRepair.com
https://www.creditrepair.com/blog/
Checking your credit report won't hurt your credit score, but you do have to be careful when it comes to lenders checking your credit report... Read More · 1 ...
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87 What Credit Score Will I Need For A Mortgage?
https://www.expertmortgageadvisor.co.uk/mortgage-help/what-credit-score-will-i-need-for-a-mortgage/
As credit agencies each use different scoring systems, there isn't a specific score that guarantees you a mortgage. Nonetheless, the higher you ...
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88 What To Know About Credit Freezes and Fraud Alerts
https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts
You can temporarily lift the credit freeze if you need to apply for new credit. When the freeze is in place, you will still be able to do things like apply ...
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89 Why Your Credit Card Doesn't Show the Current Balance On ...
http://www.hope4usa.com/credit-repair-news-charlotte-north-carolina/why-your-credit-card-doesnt-show-the-current-balance-on-your-credit-reports
She is an expert on improving credit scores, budgeting, and identity theft. You can connect with Michelle on the HOPE4USA Facebook page by ...
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90 Frequently Asked Questions - My Credit Check Blog
https://blog.mycreditcheck.co.za/frequently-asked-questions/
No. You can access your credit information as much as you want using our platforms. However, doing multiple credit checks through lenders or financial service ...
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91 Experian shares five tips to quickly improve your credit score ...
https://www.dailyrecord.co.uk/lifestyle/money/experian-credit-score-tips-24770040
How much of your credit card limits you regularly use can have a huge ... of Experian CreditExpert customers had mature credit accounts that ...
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92 My Credit Card Isn't On My Credit Report. What Can I Do?
https://moneytips.com/my-credit-card-isnt-on-my-credit-report-what-can-i-do/
Take-aways · Most major consumer credit card issuers report to all three — Equifax®, Experian™ and TransUnion® — but other types of lenders may ...
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93 Pro Tips for Expert Credit Card Users - Citizens Bank
https://www.citizensbank.com/learning/Pro-Tips-Credit-Card-Users.aspx
In many cases, if you miss a payment, you could lose the promotional rate, and be on the hook for a lot more than you bargained for. 3. Use the credit rewards ...
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94 How to check your credit score online | Digital Unite
https://digitalunite.com/government-services-shopping-banking/managing-bills-online/how-check-your-credit-score-online
Every time you apply for credit or a loan, that request is recorded. ... NB: Experian CreditExpert offers a free 30 day trial and shows you ...
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95 Experian CreditExpert review - TechRadar
https://www.techradar.com/reviews/experian-creditexpert
Why you can trust TechRadar Our expert reviewers spend hours testing ... You have the legal right to apply for a copy of your report for a ...
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96 30 Things You Do That Can Mess Up Your Credit Score
https://www.sunmark.org/connect/sunmark-360/30-things-you-do-can-mess-your-credit-score
FICO credit scores are the most widely used scores by lenders and ... your score could take a hit, said credit expert John Ulzheimer, formerly of FICO.
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