When it comes to credit utilization and your credit score, a very low credit-to-borrowing ratio…
- 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 CreditCards.com. His writings about credit have appeared in HuffPost, MSN Money, CBS MoneyWatch and USA Today. Barry also serves as part of CreditCards.com’s Financial Expert Review Board as a credit expert.
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- California State University, East Bay — Bachelor of Science, Business Administration. 1984