Francis Creighton was named President & CEO of the Consumer Data Industry Association (CDIA) in May 2017.
Before joining CDIA, Francis was Executive Vice President of Government Affairs at the Financial Services Roundtable. A long-time veteran of Capitol Hill, he previously served as Chief of Staff to U.S. Senator Chris Murphy. Prior to that he was Vice President and Chief Lobbyist at the Mortgage Bankers Association, where he worked on affordable housing and other issues important to the real estate finance industry.
Recognized as a “Top Lobbyist” by The Hill newspaper, Francis has made appearances in several trade, national and international print, television and radio outlets, such as American Banker magazine, PBS’s NewsHour and Fox Business.
Francis holds a Master’s degree in Public Policy from Georgetown University, where he is an adjunct faculty member. He received his Bachelor’s degree in Political Science and History from the University at Albany, State University of New York.
Recognized as one of America’s 30 Hottest Speakers! Anthony is an author, international speaker, and trained psychotherapist. Anthony has given thousands of speeches to Fortune 500 audiences such as Walmart, Ford, Southern Bell, Sprint, Pfiser, Comcast, Fedex, Prudential, and GE just to name a few. Anthony is going to show you how to achieve the unthinkable by putting scientific practices to work in your business and personal life.
Former Co-Founder of Lexington Law Firm. Merrill is a compelling, knowledgeable, and internationally-renown keynote speaker. In 2016, after a meeting with FICO CEO Will Lansing, Merrill signed an NDA and was authorized to meet with personal and business FICO score data scientists, and ask 100 optimized questions to better his ability to help borrowers accomplish their funding goals. Using Merrill’s knowledge of borrower behavior profiles, FICO scoring metrics, and lender underwriting requirements he developed a process to “optimize” a consumer’s credit profile and borrower behaviors to improve their “fundability”. GetFundable.com utilizes this revolutionary technology, Fundability Optimization™, to help thousands of borrowers become more fundable and access the capital they need to grow their businesses.
John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft. He is the President of The Ulzheimer Group. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 385 cases and has been qualified to testify in both Federal and State courts on the topic of consumer credit. John is the author of four books about credit and has been quoted thousands of times by the national media on credit related topics
Robert is a bestselling author and global speaker. Robert is the author of Raise Your Line, and How to Soar Like An Eagle In A World Full Of Turkeys. Over 2 million people have benefited from his powerful, practical, compelling and thought provoking programs. Robert has spoken to over 2500 companies throughout the world. He has shared the podium with such renowned speakers as former President George H.W. Bush, former Secretary of State Colin Powell, Tony Robbins, Tom Peters and former New York Mayor, Rudy Giuliani. Robert delivers high-energy programs that can help any company or person achieve higher levels of excellence.
Maggie is a Latino woman who grew up in an orphanage. Maggie took $800 and started a salsa company. Four years later she sold it to Campbell’s for $231 million. From homelessness to success, she can inspire your teams, leadership, and organizations. Hear how Maggie managed her personal credit and business credit to fuel the growth of her company. You won’t want to miss this amazing and inspirational success story!
As Managing Partner at Ignite Consulting ,Richard provides compliance consulting to data furnishers who want to be Metro 2 compliant. He has been a panelist with Credit Data Industry Association Metro 2 Task Force speakers at other finance conferences. Richard has over a decade of experience with Metro 2 reporting and e-OSCAR. In addition to Metro 2 compliance, Ignite also provides consulting services for data furnishers on how to handle consumer disputes and has analyzed thousands of dispute letters on behalf of data furnishers. Although he currently advises data furnishers, his philosophy is that there is only one side in this endeavor and we’re on it together. The consumer’s side!
After 26 years with TransUnion, Steve retired as Trans Union’s Senior Director for Consumer Services and Fraud Victim Assistance in 2015, overseeing 200+ agents and support staff. Steve is a leading authority on credit reporting, financial crimes, identity theft, synthetic identities and credit repair. He is regularly called upon by law enforcement and bank investigators to assist with investigations. In 2012 he was recognized by the Director of the FBI for his invaluable contributions to a multi-year investigation of complex synthetic identity fraud. Steve is a P.O.S.T. certified trainer for the State of California and has led hundreds of presentations to consumers, banks, law enforcement and other government agencies on the subject of credit reporting, credit monitoring & financial crimes. At TransUnion Steve was responsible for the oversight of consumer initiated FCRA litigation brought against TransUnion and most expert witness testimony. Steve has testified or been deposed in more than 600 court cases throughout the United States. Steve has been interviewed by numerous leading newspaper, magazine and electronic print media including MSNBC, Reader’s Digest, Money Magazine, Kiplinger, New York Times, Boston Globe and Chicago Tribune. He has appeared in both television and radio segments.
Steven Palmieri got into credit repair in 2008 and today runs the number 1 brand for credit repair pre-litigation disputes products.
Early in Steven’s credit repair career, there were several things that he did which laid the foundation for the Credit Repair Pre-Litigation Disputes movement. First, Steven read a consumer protection law book called Fair Credit Reporting by the National Consumer Law Center which laid out the entire framework of how credit bureaus, debt collectors, and financial institutions are supposed to operate. Second, he purchased the training manual for the industry standard of how to report accurate data. This manual is called the Credit Reporting Resource Guide and the industry standard data format is called Metro2®. And finally, Steven went on a journey to find a lawyer with whom he could work in tandem to help his clients sue credit bureaus and data furnishers for not conforming to their own industry standard for accurate credit reporting.
Today, Steven Palmieri has the number 1 training course for CRO’s to learn credit repair pre-litigation disputes. He also just launched Palmieri System which is the first pre-litigation disputes software. This software helps CROs and attorneys run next-level credit repair practices.
For more information, you can visit https://stevenpalmieri.com/
Ty serves as the CEO and Founder of Credit Suite. Ty Crandall is an internationally known speaker, author, and business credit expert. With over 16 years of financial experience Ty has become the authority in business credit, business credit building, business credit scoring, and business credit repair. Ty has been booked for speaking engagements in many states across the United States and as far away as Singapore.
Ty is the author of one of the most popular books on business and personal credit building named Perfect Credit. Ty has also written one of the best-selling business credit books Business Credit Decoded. In addition, Ty has written hundreds of published articles relating to business credit improvement, business credit scoring, business credit law, and numerous topics relating to business credit building. Ty and his business credit knowledge have also been featured on countless radio and TV programs.
Attorney Robby H. Birnbaum was born in Milwaukee, Wisconsin. He was admitted to the Florida and Wisconsin Bars in 1999. He is also admitted to the United States District Courts for the Southern District of Florida and Western District of Wisconsin. Mr. Birnbaum is a member of the Broward County, Palm Beach County, Florida, Wisconsin, and American Bar Associations. He is also a member of the Telemarketing, Internet and Privacy Subcommittee that serves the American Resort Development Association. Mr. Birnbaum was a Finalist, selected for the 2006 Up & Comers Award, by The South Florida Business Journal. He focuses extensively on regulatory practices for credit counseling and debt settlement agencies, marketing and advertising regulation, and regulatory compliance.
Lisa is the CEO of Credit Supply and has helped over 300 credit related business owners. Lisa is a prior Business Development & Brand Senior Vice President who built businesses from conception to million-dollar companies. Lisa is an expert in content marketing, identifying a client’s brand voice, creating turn-key solutions for business owners and has spent more than 10 years and creating/implementing brand and business concepts. Lisa is well versed in brand/niche/business development and can quickly brand, conceptualize a marketing trend and or idea and bring it to life. Lisa is also a content writer, a six-figure earner from her first year of business, skilled small business developer, book author of “Owning Your Authentic” and motivational speaker.
Dion De Lauder is a sales and marketing expert that has been helping business owners to leverage the power of the internet for almost 2 decades! After managing several successful sales and marketing companies, he started his first business consulting company back in 2001. Along the way he has created a nationally published magazine, co-hosted a nationally syndicated television show, owned an event promotions company and in 2012, he won an award for his groundbreaking Radio show that he hosted and directed on CBS Radio in Tampa, FL.
For the 6 years, Dion leveraged his knowledge and experience to serve as the Sales and Marketing Director for a leading website development firm to help thousands of business owner to grow, scale, and automate their online presence. To better serve his clients with a more robust arsenal of tactics, techniques, and processes, in 2015 he created Social Ivy Media to share his guidance and invaluable experience on a more personal level with business owners around the world.
Liz Shrum is the spokesperson for the American Association of Consumer Credit professionals. In this role she is growing the Trade Association for the Consumer Credit Industry and advocating on behalf of consumers and the credit professionals that serve them. Liz is also the CEO for LJS Media and has extensive experience in marketing and communications.
I am the founder of The Kugel Law Firm where my team has vigorously defended the rights of thousands of people. Freedom for my clients is the passion that drives all of my work. Sometimes I am fighting for literal freedom for my clients against the government (criminal defense), other times I am fighting for the financial freedom that changes lives (consumer rights). Either way, my goal is to create a law firm that aims to change the way you feel about lawyers. I have been privileged to be a guest on media outlets like CNN, HLN, FoxNews, and MSNBC to discuss legal issues as well as to speak at various seminars and events across the country. I live in NYC with my family including a husband, four kids, three cats, and a dog.
Mike Cardoza was trained as a trial attorney in the U.S. Marine Corps and has tried countless cases in federal and state courtrooms. Mike is a Consumer Financial Protection Attorney with two young daughters and an avid student of behavioral psychology. He is also the author of “The Secret World of Debt Collection: Beat Collectors at Their Own Game.”
Angel L. Lluvet initially focused his law firm, Miami Realty Law Group around all matter’s real estate, serving the state of Florida. It wasn’t until he realized how many clients were being prevented from achieving their dreams of homeownership by credit related issues, that he ventured into the realm of consumer defense. Since then, Mr. Lluvet has focused extensively on Consumer Defense, educating consumers of their rights and placing them in a position to pursue their real estate related ambitions through zealous representation. Mr. Lluvet is currently admitted to practice in State of Florida, along with the United States District Court for the Southern District of Florida. He is also a member of the Dade County Bar Association, Miami Realtors Association, and the Real Property, Probate & Trust Section of the Florida Bar.
Subhan Tariq, Esq. regularly handles complex commercial litigation, with particular experience in consumer finance litigation in individual and class action cases in the areas of federal and state consumer protection laws. Mr. Tariq has successfully helped thousands of consumers exercise their rights against large institutional banks, debt collectors, and consumer reporting agencies.
Mr. Tariq consults with other lawyers and law firms on blockchain automation, working towards a streamlined efficient network of client files, document automation, and cost-effective workflows. He also is a leading consultant in the cryptocurrency space, providing in-depth analysis of the latest regulations and opportunities around the world.
Notable Decisions:– Bah v. Apple Inc., 2020 U.S. Dist. LEXIS 22867– Ranginwala v. Citibank, N.A., 2020 U.S. Dist. LEXIS 22942– Rice v. Resurgent Capital Servs., L.P., 2017 U.S. Dist. LEXIS 20932– Khan v. Equifax Info. Servs., LLC, 2019 U.S. Dist. LEXIS 100119
After serving his country as a Special Agent with U.S Army Counterintelligence, Robert returned home from a deployment to Iraq in 2007 to face credit issues that prevented him from obtaining lending. Through his efforts to resolve the issues he was experiencing, he discovered a way to help others just like him. He established a credit repair organization in the tradeline space, which subsequently became one of the largest tradeline companies in the country for over a decade.
Concerned with a credit repair organization’s ability to comply with credit repair laws and rules, Robert began the process of pivoting out of the industry by selling his company and starting a third party escrow platform specifically designed for CROA and TSR compliance.
Haziq Ali has been an entrepreneur for the majority of his life, beginning with a feature on an episode of 60 minutes profiling his first business in junior high school. After huge learning experiences that left him bankrupt, foreclosed, and homeless in his later business years; he applied the life-changing lessons he teaches today and within 18 months fought his way to opening 5 different businesses, generating in excess of a half million dollars in revenue and most importantly – falling deeply in love with his life again.
As a Novae Founding Member, Haziq was instrumental in the inception phase of the company. After inception, Haziq consistently maintained the companywide #1 recruiter position on the direct sales side of the business for years which led to his transition and promotion to Vice President of Sales and Acquisitions. After 18 months of leading Novae to the most profitable partnerships and affiliate relationships in company history, Haziq was named Chief Marketing Officer. Haziq largely is responsible for the growth of Novae’s Affiliate and Franchise Programs.
In addition to his day to day activities serving through Novae, Haziq is in extremely high demand as an award winning speaker, trainer and TV/radio show guest. Blessed to have been trained by the best and personally mentored by the great Les Brown, the greatest motivational speaker to ever live, Haziq is also an author and self-esteem development expert. Haziq attended Florida A & M University – School of Business and Industry; since that time he has elevated his studies in the real world that has benefited not only him but thousands of entrepreneurs across the country.
It all starts by helping others. Tammy has spent the past 30 years in sales and marketing. Dedicated from the heart, Tammy created SHEro-Ventures, designed to help business owners become heroes to their clients. Like most of us in life, Tammy encountered major adversities that she overcame with inspiration and passion. Through life-threatening health issues, divorce, abuse, and losing it all, Tammy came back powerful and enthusiastic. She dedicated her business to providing solutions as a business strategist with a passion to help others achieve their dreams. From the age of 18, she owned a retail clothing store, worked in the travel industry, was the Vice-President of a video production company, started Pro Player Sports which operated a Woman’s Pro-Football Team from NWFL to NWFA. Starting in the credit industry in 2008, Tammy became an ultimate resource for real estate investors in both residential and commercial properties.