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 Expert  728454

Expert in Credit Damage Measurement in Tort Cases and Family Law, Divorce

Available for your Consulting and Expert Witness Needs

California (CA)
Education Work History Career AccomplishmentsPublicationsConsulting Services Expert Witness Market Research

Summary of Expertise:

Listed with other top experts in: 

Expert is the first court accepted credit damage measurement expert witness in the USA (since 1995), retained by Plaintiff or Defense in arbitration, state courts and Federal courts. For individuals and businesses, he has measured the economic value of increased credit costs, loss of credit capacity, loss of credit expectancy resulting from breach of contract (recission of insurance coverage - Health, medical, property, malpractice ), wrongful dismissal (employment law), improper remarks or inaccuracies in credit reports (violations of the Fair Credit Reporting Act), bill collection misconduct (violations of the Fair Debt Collections Practices Act), Fraud - including identity Theft(violations of the Fair and Accurate Credit Transactions Act).

Expert developed his expertise via business experience, and authored the first State government agency accepted for Continuing Education presentations regarding credit credit reports for licensees(1991 and the first State Bar accepted presentation on credit reports(1992), the first CLE presentation on Credit Damage Measurement(2002) and currently provides CLE in over 17 states regarding credit damage measurement. Expert has been responsible for the largest credit damage award of $930,000 to an individual plaintiff, and in excess of $20 millions to plaintiffs. Expert's testimony in a $115 million Class Action against all three national American credit bureaus resulted in all credit bureaus changing their reporting information, and their paying approximately $15 million in damages. Expert has also reduced credit damage claims in excess of $15 millions for defense clients. Expert is skilled in decoding Subscriber Credit Reports to establish per injury and post injury differential cost of credit, available lines of credit and credit expectancy. Expert offers consulting and expert witness services for defense or plaintiff




economic loss analysis


economic value


credit damage

Show Secondary and Basic Areas of Expertise
Expert may consult nationally and internationally, and is also local to the following cities: Los Angeles, California;  San Diego, California;  Long Beach, California;  Santa Ana, California;  Anaheim, California;  Riverside, California;  Glendale, California;  Huntington Beach, California;  San Bernardino, California;  and Chula Vista, California.

Year   Degree   Subject   Institution  
2010   N/A   N/A   N/A  

Work History:
Years   Employer   Title   Responsibilities

1989 to




General Manager


Consult with consumers experiencing loan application rejection to identify credit report information errors or violations re: the FCRA

1979 to




General Manager / Author


Writer of consumer education regarding financial management, personal legal financial rights, plus professional education manuals and study courses regarding credit reputation and credit report accuracy

1991 to




Development of Curiculum


To develop live and online Continuing Education presentations and materials for acceptance by licensing organizations

Career Accomplishments:

Forensic Expert Witness Association, Consumer Attorneys of California, Orange County Women Lawyers Association, Consumer Attorneys Association of Los Angeles, Orange County Trial lawyers Association

Publications and Patents Summary

He has 9 CLE accepted Presentations related to credit damage accepted in 17 states, over 75 published articles regarding credit damage, wrote a book on the subject, and has 5 financial personal management books

Selected Publications and Publishers  
 - Pulse Publishing  

Consulting Services:
Selected Consulting Examples:
  • He is able to identify/qualify or disqualify inflicted credit damage issues by deciphering credit reports, and monetize such damage for compensation for individuals, business owners and their business, credit grantors, law firms, etc.
  • He has prepared client defense procedures for major multi office law firms representing insurance companies, lenders, real estate agents/brokers who are accused of inflicting credit damage. The effect is quicker resolution at a greatly reduced dollar amount.
  • He has consulted with credit seekers as to how to obtain more favorable credit terms denied due to FCRA reporting violations or other factors.
Click the green button above to contact Expert for a free initial screening call regarding your expert consulting needs.  Expert is available for consulting to corporate, legal and government clients.  Remember, your initial screening call to speak with Expert is free.

Expert Witness:
Expert Witness Experience Summary:
Able to clearly communicate in over 100 depositions
Click the green button above to contact Expert for a free initial screening call regarding expert testimony, litigation consulting and support, forensic services, or any related expert witness services.  A few litigation needs include product liability, personal injury, economic loss, intellectual property (patent, trademark, trade secret, copyright), and insurance matters.  Remember, your initial screening call to speak with Expert is free.

Market Research:
The credit industry and the credit reporting industry have expanded their presence into the daily lives of employees, business owners/business partners, marital couples, and yet the economic impact of that presence into the lifestyle of anyone who is the subject of a credit report is rarely considered when presenting a damage demand. By demonstrating that inflicted negative credit report remarks have a measurable impact on the financial or economic reputation and lifestyle there is opportunity for a fuller and fairer compensation for qualified damage demands.

Click the green button above to contact Expert for a free initial screening call regarding your marketing research, industry research, and company research needs.  For research needs involving multiple experts or secondary research, a Research Director can be assigned to coordinate the work into a custom report for you as a potentially quicker and more cost effective alternative to doing this work yourself or hiring a boutique consultancy.  Remember, your initial screening call to speak with Expert is free.

Additional Skills and Services:

Credit Reports: Misconceptions and Realities (1991 DRE) (1992 CLE), Credit Damage, Evaluation & Compensation (2002+), Credit Reports: Compliance & Opportunity in California (2003), Jury Selection & Credit Damage (2005), More Accurate Economic Damage Demand (2008), Due Diligence for Credit Damaged Clients (2009)


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