2023 CreditCon Speakers

Headshot March 2022

John Ulzheimer

Credit Expert

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Headshot March 2022

John Ulzheimer

Credit Expert

John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft, and has worked in the credit industry since 1991. Formerly of FICO, Equifax, Credit.com, and a contractor for VantageScore Solutions for 8 years, John is the only recognized credit expert who actually comes from the credit industry. He has served as an expert witness in more than 650 credit related lawsuits, has provided sworn testimony over 110 times, 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 and thousands of articles about credit, and has been quoted thousands of times by national and regional media on credit related topics. John has presented at every CreditCon since the inception of the event

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Romano Toscano

Co- Founder and CEO of VioScore™

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Romano Toscano

Co-Founder and CEO of VioScore™ 

Romano Toscano is an experienced entrepreneur and a 20 year expert in the Artificial Intelligence space. He is the author of the upcoming book “Deal with it” to be released this year.  Romano is co-founder and CEO of VioScore™ a new holistic way of looking at people’s credit score. The – patented filled – VioScore™ looks at a persons whole life instead of “just” their ability to pay off debt. VioScore™ is based on the pyramid of needs called Maslow’s hierarchy and not by the trending Social Scoring systems.  VioScore™ is a unique way of looking at a person – the WHOLE person – not just their financial abilities.

VioScore™ aims to helps people with thin credit in addition to helping credit invisibles. Romano is currently in contract and under NDA with many international banks, insurance conglomerates, and multiple governments in the US and Europe.

Come and hear why VioScore™ intends to disrupt the US scoring system

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Gigi Ligons

FICO – Senior Consultant

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Gigi-Ligons

Gigi Ligons

Senior Consultant

Gigi Ligons, a Senior Consultant and subject matter expert in the FICO Scores group, works with lenders and industry professionals to help them understand, evaluate, and use FICO® Scores. Within the team, Gigi’s key areas of focus include delivering FICO® Score trainings and deploying FICO® Score solutions, services, and education for over 120 mid-tier clients.

Gigi brings to the team over 13 years’ experience in financial services from institutions including MetLife, Bank of America, Wachovia, First Union, and Washington Mutual along with an entrepreneurial acumen from her experience consulting with organizations and business leaders throughout the U.S.

She has a Bachelor of Science in Business Management, a Master of Business Administration, and considers herself a lifelong learner consistently looking for opportunities to learn something new.

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United State Government

Enforcement Officer

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United State Government

Enforcement Officer

We are withholding the identity of this enforcement officer. This US enforcement officer will talk about an ongoing investigation into a fraudulent practice in the credit repair space. Learn about this fraud and why you should avoid it at all cost – you don’t look good in an orange jumpsuit!

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Eric Kamerath

Progrexion | Senior Vice President and Chief Legal Officer

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Eric Kamerath

Progrexion | Senior Vice President and Chief Legal Officer

Eric currently serves as the Secretary / Treasurer of the American Association of Consumer Credit Professionals, a 501c(6) industry trade organization for the credit repair industry. Eric joined Progrexion in 2005 and has served in many critical roles in the company. Eric’s primary responsibilities include regulatory compliance review of marketing materials and service delivery, interfacing with Lexington Law’s attorney network, managing external regulatory counsel and coordinating regulatory and government affairs. Prior to his involvement with Lexington Law and Progrexion, Eric practiced intellectual property law.

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Will Bowen

Founder – Complaint Free

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Will Bowen

Founder – Complaint FreeⓇ

Will Bowen is the founder of the Complaint FreeⓇ movement with over 12 million followers worldwide.

Will’s been featured on Oprah, Dr. Oz, Forbes, NBC’s Today Show, CBS Sunday Morning, The ABC World News, Fox News, People, Newsweek, The Wall Street Journal, and Chicken Soup for the Soul.

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In July 2006, Will Bowen handed out 250 purple rubber bracelets inviting people to use them as a tool to stop complaining.

Will’s idea EXPLODED around the world and, to date, more than 12 million of his purple Complaint Free bracelets have been distributed to people in 106 countries.

Maya Angelou provided the forward for Will’s #1 International Bestselling book A Complaint Free World, which has sold more than 3 million copies in 30 languages and is required reading at many universities and businesses.

Thousands of companies worldwide have used Will’s Complaint FreeⓇ Business program to increase productivity, improve communication, and raise morale.

Will’s clients include The Million Dollar Roundtable, Volvo, and Kimberly Clark.

Will Bowen is a humorous motivational speaker, a #1 International best-selling author, a multi #1 Amazon best-selling author, an award-winning trainer, the 2016 Purdue University Executive in Residence, and he’s the World Authority on Complaining — why people complain, what’s wrong complaining, and how to get ourselves and others to stop.

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Chad Kusner

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Chad Kusner

President Credit Repair Resources

Chad Kusner is the President of Credit Repair Resources. He serves as a Board Member on the National Association of Credit Service Organizations (NACSO) and an accredited Credit Instructor. Mr. Kusner actively meets with government officials and regulators on Capitol Hill regarding NACSO issues. Mr. Kusner co-presents the annual Credit Expert Summit Event. Mr. Kusner has written publications for the National Mortgage Professional, Scotsman Guide, the Simple Dollar and Originationpro.com and has been quoted in Mortgage Professional America.

President Credit Repair Resources

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Dave Herbert

FICO Score Subject Matter Expert

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Dave Herbert

FICO Score Subject Matter Expert

Dave Hebert is a FICO® Score subject matter expert responsible for supporting FICO’s relationships with its clients in the US.  As a key subject matter expert in the FICO® Scores Teams, Dave works with top-tier lenders in the U.S. to help them evaluate and implement FICO scoring solutions.  Dave ashas been actively involved in research, technology, and analytics for over 30 years having held executive level management positions at a variety of technology companies ranging from Microsoft and First Data Corporation to analytics and artificial intelligence startups.  Dave is currently a Director of Business Development and Consulting in the FICO® Scores Team.

Brittany Luscious Barbie Criswell

Luscious Barbie

Social Media Influencer/Entrepreneur

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Brittany Luscious Barbie Criswell

Luscious Barbie

Social Media Influencer/Entrepreneur

Luscious Barbie is a native of Dallas, where she has built a large hometown fanbase by conquering the social media scene. Luscious is a comedian, actress, producer, social media influencer and community advocate. She’s appeared on MTV’s Crack Me Up, E! Fashion Emergency 2020, and has a popular Ted Talk entitled “Failing Forward”. Luscious provides unique experience-based reviews on her social media platforms that have revived many businesses in the Dallas area during the pandemic. As a viral Tik Tok influencer her videos have been viewed more than 9.7 million times. Her passion is to teach businesses on how to grow within social media platforms and within their communities.

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Robby H. Birnbaum

Partner

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Robby H. Birnbaum

Partner

Robby H. Birnbaum began his law career with Greenspoon Marder in 1998 and has practiced with the firm ever since. Mr.
Birnbaum is a Partner and Practice Group Leader of the Regulatory Compliance and Financial Services Practice Groups
and serves on the firm’s Management Committee. Mr. Birnbaum also Chairs the firm’s Health and Consumer Insurance
Sales Regulatory Group.
For over 20 years, Mr. Birnbaum has provided proactive, successful compliance strategies and outcomes to financial and
health industry clients. Mr. Birnbaum also has substantial experience in the travel and vacation resort industries,
representing and counseling some of the largest travel providers and sellers of vacation and business travel services in
the world.
Mr. Birnbaum’s practice focuses on providing comprehensive legal advice and regulatory advocacy to a broad spectrum of
clients, such as nonbank financial products and services providers; advertisers and marketers; health insurance and
health related service sellers; along with trade and professional associations. Mr. Birnbaum practices before the CFPB,
the Federal Trade Commission (FTC), offices of state attorneys’ general, state banking and financial services departments
and federal and state insurance regulators.
A substantial portion of Mr. Birnbaum’s work involves assisting clients with proactive regulatory compliance to remain out
of the cross-hairs of regulators and expensive class action lawsuits. Mr. Birnbaum immerses himself in the industries of
his clients, advising clients on how to minimize the legal risks related to providing, advertising, and marketing financial and
health insurance products and services to consumers under federal and state consumer protection laws, including laws
and regulations under the jurisdiction of the CFPB and FTC. Mr. Birnbaum’s team also assists with state licensing and
agency compliance reviews. Mr. Birnbaum regularly advises on the design of compliance management systems tailored
to specific client needs and government expectations.
Mr. Birnbaum is an experienced advertising attorney who regularly advises clients on consumer protection issues,
specifically with regard to advertising and promotions, including digital media and lead generation, as well as consumer
credit and financial services laws, privacy laws and regulations. He has extensive experience in the issues surrounding
mobile marketing, target marketing, lead generation, affiliate marketing, social media, and user-generated content. Mr.
Birnbaum has widely counseled clients on compliance with state and federal banking and insurance regulations, along
with the sweeping wave of recent state privacy law regulations.
Mr. Birnbaum focusses on defending clients in regulatory investigations and enforcement actions pursued by the CFPB,
FTC, state attorneys’ general, and other state regulatory agencies, as well as advising in private litigation involving claims,
such as false or misleading advertising, TCPA and telemarketing challenges, and unfair, deceptive, or abusive acts and
practices.
Mr. Birnbaum is heavily involved as the “go to attorney” for the debt settlement, consumer credit counseling, vehicle service contracts, seller of travel, and the credit repair industries, actively representing over 500 companies in those industries in all areas from lead generation to administrative licensing and contract fulfillment. Mr. Birnbaum also counsels the financial partners and supporting vendors of those industries, and is active in their trade associations.
Mr. Birnbaum regularly counsels private equity and venture capital funds, along with public companies on their potential investments and market activity in regard to his practice areas. Mr. Birnbaum regularly supports and serves as lead counsel and advisor on multi-million dollar buyouts and investments. Mr. Birnbaum serves as outside general counsel to many of the firms largest advertising, financial, insurance and other public companies.
Mr. Birnbaum serves as the elected president of the American Fair Credit Council, National Association of Credit Service Organizations, and the Administrator of the Vehicle Protection Association. Mr. Birnbaum is exceptionally active in Congressional and legislative affairs groups, bringing those direct insights and current updates back to the firm’s clients.
Moreover, affiliate marketing, publisher/affiliate lead generation and sales, and network referrals round out Mr. Birnbaum’s practice areas. Over the last twenty years, Mr. Birnbaum has likely resolved, without the need for litigation and to the great satisfaction of his clients, more state and federal government investigations and inquiries than any other attorney.
Mr. Birnbaum graduated from the University of Wisconsin for both his undergraduate studies and law degree. He resides
in Boca Raton, Florida, practicing from the firm’s Boca Raton, Fort Lauderdale, and Miami offices.