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This highly qualified expert has nearly 30 years of experience in the consumer credit industry, specializing in consumer credit reporting, credit scoring, FCRA, FDCPA, credit damages, Metro-2, and ACDV and AUD forms. He obtained his BS in criminal justice from the University of West Georgia and is currently pursuing his MS in criminal justice and administration at Penn State University. Today, this expert is also certified by the Consumer Data Industry Association. He previously served as an account manager at Equifax, as the manager of global credit bureau products at Fair Isaac, as an invited credit blogger for the New York Times, and as the president of consumer education at Credit.com and SmartCredit.com. More recently, he also worked as a contributor for CNBC's "On the Money" program, for the National Foundation for Credit Counseling, and for FOX Business Networks' "The Willis Report," as well as a credit contributor for Mint.com and DisputeSuite.com. This expert is currently the co-founder of a credit industry think-tank, a credit contributor at a consumer credit reporting agency, and the owner of an FCRA, FDCPA, credit, and credit damage consultancy in Georgia.
Owner, An FCRA, FDCPA, credit, & credit damage consultancy in GA
Master of Science (MS), Penn State University
Atlanta,
Georgia
Find Credit Expert Witnesses In:
What Can a Credit Expert Witness Opine On?
Credit Analysis
Evaluate creditworthiness of individuals or businesses.
Loan Underwriting
Assess and approve loan applications.
Credit Scoring
Calculate scores based on credit history.
Debt Collection
Recover unpaid debts from borrowers.
Credit Reporting
Generate reports on credit histories.
Risk Assessment
Identify potential risks in lending.
FAQs for Credit Expert Witnesses
What is a credit expert witness?
A credit expert witness is a financial professional who explains credit reports, scoring, and lending standards in legal cases. They assist by reviewing records, giving expert testimony, and clarifying complex credit issues.
What types of cases may benefit from the expertise of a credit expert witness?
A credit expert witness supports cases involving credit report errors, FCRA violations, identity theft, credit damage, lending disputes, mortgage denials, and consumer credit litigation.
How can a credit expert witness quantify damages from inaccurate credit reporting?
A credit expert witness quantifies damages from inaccurate credit reporting by analyzing score impact, loan denials, higher interest costs, and related financial losses.
What qualifications should an attorney seek in a credit expert witness?
An attorney should seek a credit expert witness with strong industry credentials, courtroom experience, clear communication skills, and a proven record of reliable, unbiased credit analysis.
How does a credit expert witness evaluate the reasonableness of creditor conduct?
A credit expert witness evaluates the reasonableness of creditor conduct by comparing actions to industry standards, regulations, credit policies, and documented risk‑management practices.
What is Expert Institute’s process for selecting credit expert witnesses?
Expert Institute delivers a tailored approach to connect you with top-tier experts. We identify actively practicing professionals who meet your exact criteria for specialty, experience, litigation background, fee structure, credentials, location, and more.