Credit Reporting, Credit Scores and Damage Expert Witness
As the Founder / President of Easy Credit Relief, Inc., Doug focuses on helping and teaching people how to understand the credit reporting system and manage their personal finances. As an expert on credit reporting, credit scoring, identity theft and the dispute process of information on an individuals credit profile. In addition to his expertise in personal finance and consumer credit, Doug has spent over 30 years reviewing and analyzing personal credit reports and financial profiles of individuals and couples applying for mortgage loans. Doug is hired as an expert witness and consultant in matters of credit related litigation as well as mortgage litigation.
As a true credit expert witnesses, he understands the intricacies of consumer credit and has the firsthand knowledge of the industry along with over 30 years of experience with the underwriting standards and practices of mortgage lending industry. Simply put, he is able to provide insight into not only credit reports and credit scores, he excels at explaining and showing any changes to ones credit profile that can cause damage to ones reputation as well as the financial impact it can cause.
Mr. Minor provides expert opinion and consultation in the following areas:
Credit Reporting, Credit Scores and Credit Damages
Mortgage Lending and damages calculations
Real Estate Finance
Commercial Real Estate
Real Estate Damages
Residential Real Estate
Litigation Support Services
Credit and Mortgage Damages Expert Witness Capabilities:
Credit Report Evaluation with impact analysis, Preparing Credit Damages Report including Quantifying damage and types of Credit Damages, reviews Federal Truth-in-Lending Disclosures, Fair Credit Reporting Act violations, Review of Residential Mortgage Loan Application forms 1003 & 1008, Modern Credit Scoring, Unfair Debt Collections, Evaluate Testimony, and Developing Questions for Depositions and Trial.
Areas of Expertise
Fair Credit Reporting Act, Credit Dispute Process, Economic Credit Damage Assessment, Credit Procedures and Reasonableness.
Doug Minor has spent over 30 years reviewing and analyzing personal credit reports and underwriting financial profiles of individuals. He has been interviewed and appeared on CBS Channel 2 News, The Real Estate Life News Talk 1590 KVTA & the David Cruz radio shows in Los Angeles and quoted for articles appearing in FoxBusiness.com, CreditCardForum.com, Yahoo! Finance, Zillow.com, CardRatings.com, CreditCardGuide.com and Entrepreneur Magazine.
Easy Credit Relief Inc. in the Social NetworksTwitter LinkedIn
Created Scoring Mortgage Analysis Model
Guiding client’s through the complete process of reviewing and analyzing their credit reports and needs to achieve their desired outcome.
Performs Educational Presentations to Consumer Groups, Realtors, Mortgage Professionals, CFP’s, CPA’s and Attorneys on a continuing basis.
Participates regularly in educational programs keeping current on scoring models and changes, credit laws and credit damage that can affect consumers and other relevant courses.
Has worked with a National Real Estate Training Company with a Credit Education Video and the Development of Credit related Curriculum.
Relevant Experience in the Mortgage Industry:
Originated and Processed Residential Mortgages; preparing them for Underwriting by reviewing and analyzing the credit reports. Checking the credit worthiness for each applicant along with their financial ability to repay. Along with underwriting and evaluating the tax returns of the individuals.
Managed the processing of financial and credit documentation for commercial and construction loans.
Consulted in the planning and transitioning of a Mortgage Brokerage Firm to a Mortgage Banking Operation.
Prepared and funded private second trust deed Notes personally and for investors; Underwriting and Analyzing the credit worthiness of each application. (In some cases, using self-directed IRA funds.) Additionally setting up the servicing account on private notes and in some cases working with an accommodator of a qualified plan.
Negotiated and Priced Interest Rates in Prime, Sub Prime and Private Money Markets
Doug held and was recognized by the Consumer Data Industry Association of Washington D.C. for successfully meeting the conditions of eligibility and passing the required examination to receive a Fair Credit Reporting Act Certification.
At ALLREGS Academy Doug completed the Certified FICO ® Professional program, a National Certification program endorsed by FICO® and earned the designation Certified FICO® Professional, FICO Pro. (December 2013)
Forensic Expert Witness Association
At the CMPS Institute Doug met the required standards and successfully completed the training and examination process and is acknowledged as an expert in the area of Mortgage Planning, Cash Flow Management and Real Estate Equity Management. (October 2006)
In 2008 Doug completed and passed the requirements earning the Certified Divorce Planning Professional designation which focuses on creating equitable solutions for divorcing individuals and focusing on protecting their C.R.A.D.L.E. (Credit, Resolve, Assets, Dependents, Life and Estate).
Awards & Honors
From the Institute of Consumer Financial Education, Doug has earned and is recognized as an ICFE Certified Credit Report Reviewer (CCRR ®). (February 2014)
Seminars & Training
Credit Con 2019: Becoming a Credit Expert Witness. Featured Speaker Las Vegas April 16th 2019
Consumer Credit Expert Witness Training and Certification Program: Featured Trainer May 16th – 18th 2019, Atlanta Georgia
Understanding Credit in your Market Place: Learn how new credit scoring models work and how this can help you close more deals faster and safely. Conducted for Keller Williams, March 13, 2014.
SBREIA- Santa Barbara Real Estate Investors Association: Helped investors to understand how to best utilize credit, credit scores and their own credit profiles in maximizing profits for each investment. May 24, 2014
ADFP-Association of Divorce Financial Planners: The financial strategies and implications associated with how credit should be handled between divorcing couples. July 26, 2014
Credit Con 2017: How Attorney’s and Credit Consultants can identify credit damages at the initial evaluation and what to do next. March 29th 2017
Credit Summit 5.0 2018: Leveraging Your Credit Knowledge to do Expert Witness Work – Featured Speaker August 9th 2018, Austin Texas
Can your Credit Score and Credit Reputation be recoverable Damages in a Divorce? Posted By Doug Minor May 18th 2020
Dated May 12th 2020
Credit Harm and the Financial impact to someone’s credit profile
How to protect your credit from holiday shopping & How to help someone else rebuild credit: By Kristin McGrath for CreditCardForum.com/Blog October 2014 & February 2015
Anatomy of Credit Scores: An Insider’s Knowledge and Success Strategies to Overcoming the Complicated Credit Scoring System. Co-author (August, 2010)
9 Credit Score Myths Do More Harm Than Good. By Teresa Bitler
Published September 15, 2010 CreditCards.com FoxBusiness.com Yahoo! Finance
WorkWise: Niches Open To Job Seekers. By Mildred Culp
Posted May 16, 2010 modbee.com
Credit Repair- Life After a Short Sale/Foreclosure.
With Jacob Swodeck, Director of Education at Partner First
Posted October 2009
Quantifying Damages from Credit Harm: for Valley Lawyer Magazine June 2013 issue
Short Sale Symposium, Ontario, California Presentation on Credit Reporting and Scoring-Life after a Short Sale, February 25th 2010.
Homeowner Outreach Assistance Program, (HOAP), Glendora, California at the Citrus Valley Association of Realtors, Presentation on Loan Modifications, Short Sales, Deeds in Lieu and How Foreclosures differently affect Consumer Credit August 21st 2010 & November 20th 2010.
First Time Home Buyer’s Class, Simi Valley Library, Presentation on How Important Credit is When Purchasing a Home.
CAMP- California Association of Mortgage Professionals, Los Angeles Chapter, Current state of credit and new credit scoring models, Understanding what you should know as a Mortgage Professional and how to best help your clients. April 12th 2012
Homebuyers BOOT CAMP: Sponsored by Security Pacific Home Loans, preparing your credit to purchase a home August 3rd 2013
Family Law Live Lecture Series: Quantifying Credit Damage in Divorce, September 26, 2013
Dealing with Credit in current Mortgage Market: How to effectively and safely help clients while growing your business with credit related strategies. Preformed for Kinecta Federal Credit Union, Newbury Park, CA January 31, 2014.
Mark F. Anderson, ANDERSON CONSUMER LAW, 1736 Stockton Street, Ground Floor, San Francisco, CA 94133, phone 415.651.1951
Frank J. Nidey CEDAR RAPIDS OFFICE 319-369-0000 firstname.lastname@example.org
425 Second Street, SE Suite 1000
Cedar Rapids, Iowa 52401
• Created Credit Scoring Mortgage Analysis Model
• Guiding client’s through the complete process of reviewing and analyzing their credit reports and needs to achieve their desired outcome.
• Performs Educational Presentations to Consumer Groups, Realtors, Mortgage Professionals, CFP’s, CPA’s and Attorneys on a continuing basis.
• Participates regularly in educational programs keeping current on scoring models and changes, credit laws and credit damage that can affect consumers and other relevant courses.
• Has worked with a National Real Estate Training Company with a Credit Education Video and the Development of Credit related Curriculum
Articles Published by Easy Credit Relief Inc.
Can Your Credit Score and Credit Reputation Be Recoverable Damages in a Divorce? Yes
Doug Minor, Is a Credit Scoring, Credit Reporting, Personal Finance and Mortgage Expert. He has served as a FCRA Credit Reporting, Credit Scoring, Mortgage and Damages expert witness in over 125 cases in both Federal and State Courts across the U.S.Read Article
Harm to Credit
The financial impact to someone’s credit profile after it has been harmed.Read Article