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john ulzheimer is known as one of our nations most recognized credit experts having worked for 28 years in the credit industry john has become one of the most prolific speakers about credit and the go-to authority on answers to credit related questions credit countdown with john alzheimer hello this is john ulzheimer i am a consumer credit expert got over 30 years of experience in the credit industry ive spent time at fica which is the company behind the fico credit scoring system and equifax which is one of the three generally recognized credit reporting agencies in the us easy for me to say so today were going to talk about whats referred to as a notice of adverse action all right or an adverse action notice a notice of adverse action or an adverse action notice is more commonly referred to as a denial letter so when you go out and you apply for something if youre denied you know an apartment lease if youre denied a credit card if youre denied an auto loan um and the basis fo
