Barry Paperno

Barry Paperno

Credit Scores and Reports Expert


  • 20+ years of industry experience
  • Expert witness in Ohnmachts v. Commercial Credit Group, Adv. Pro. 14-00213-8-DMW, providing accurate testimony as to the credit scoring process and FICO scoring impacts of credit reports. 

Barry Paperno is a retired freelance writer and credit expert with decades of consumer credit industry experience. Having served as a consumer affairs manager for FICO (Fair Isaac Corp.) and consumer operations manager for Experian, Barry has over 20 years’ worth of hands-on credit knowledge. 


As a writer, Barry uses his expertise to help readers better understand their reports and scores. Most recently, he wrote “Speaking of Credit,” a weekly reader Q&A column about credit scoring and rebuilding credit, for His writings about credit have appeared in HuffPost, MSN Money, CBS MoneyWatch and USA Today. Barry also serves as part of’s Financial Expert Review Board as a credit expert.

Our editorial team and expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our credit card company partners, and may influence where or how products are featured on the site. This site does not include all credit card companies or all available credit card offers.  Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.Learn more about our partners and how we make money.

Education & Honors

  • California State University, East Bay — Bachelor of Science, Business Administration. 1984

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