john ulzheimer is a nationally recognized expert on credit and identity theft. formally at fico and equifax the only recognized credit expert who actually comes from the credit indtry. welcome john. - larry thor having me. i'm very excited to be here. - john for those of us who live at beverly hills, what credit crisis? - well larry look even though things may be great foyou 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 millis of people with a low credit score into a car dealership. you will be in and out withour 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 looks you in the eye and says we have to decline your loan today right? you feel like you're just punched in the gut. but why you ask.

john ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theftco and equifax he's the only recognized credit expert who actually comes from the credit industry.