john ulzheimer is a nationally recognized expert on credit reporting, credit scoring, and identity thefterly of fico and equifax, he's the only recognized credit expert who actually comes from the credit industry. welcome john. - larry, thanks for having me, i'm very excited to be here. - john, for those of us who live in beverly hills, what credit crisis? - well, larry, look, even though things may be great for you, one out of three americans have low credit scores. one out of three. so let's say i take you with your incredible credit score and one of the tens of millions of people with a low credit score into a car dealership, you will be in and out with your brand new car in record time, but how many of your viewers identify with the other scenario? you're buying a car for your wife, or grown child to get to work safely, you fill out all the forms and you're sweating, waiting for your salesman to come back from the finance office. finally, after what seems like hours, he comes back, looks you in the eye, and says we have to decline your loan today, right? you feel like you were just p