• Credit Report Evaluation
• Preparing Credit Damages Report including:
  • Quantitative Assessment
  • Types of Credit Damages
  • Reviews Federal Truth-in-Lending Disclosures
  • Financial Calculations
  • Fair Credit Reporting Act
  • Review of Residential Mortgage Loan Application forms 1003 & 1008
  • Modern Credit Scoring
  • Unfair Debt Collections
  • Evaluate Testimony
  • Developing Questions for Depositions & Trial

• Developed Credit Scoring Mortgage Analysis Model
• Developed Credit Repair Mortgage Impact Report
• Guiding client’s through the complete process of reviewing & analyzing their credit reports & needs to achieve their desired outcome.
• Performs Educational Presentations to Consumer Groups, Realtors, Mortgage Professionals, CFP’s, CPA’s & Attorneys on a continuing basis.
• Participates in weekly educational programs keeping current on FICO scoring model changes, credit laws & credit damages affecting consumers.
• Working with a National Real Estate Training Company with Credit Education Videos & the Development of FDCPA Curriculum. Relevant Experience in the Mortgage Industry:
• Originated & Processed Residential Mortgages; preparing them for Underwriting by reviewing & analyzing credit reports & credit worthiness for each applicant.
• Managed the processing of financial & credit documentation for commercial & construction loans.
• Consulted in the planning & transitioning of a Mortgage Brokerage Firm to a Mortgage Banking Operation.
• Prepared & Funded Private Second Trust Deed Notes personally & for Investors; Underwriting & Analyzing the credit worthiness of each application. (In some cases, using self directed IRA funds.)
• Negotiated & Priced Interest Rates in Prime, Sub Prime & Private Money Markets.
• Participated as a Consultant in developing Company Procedures & Compliance Guidelines.

As a Residential Real Estate Appraiser was responsible for measuring properties, assisting in the evaluation of comparable sales & preparation of the appraisal report.

As a Notary Public performed Loan Document Signings for Escrow Transactions, Name Affidavits, Quit Claim Deeds, Satisfaction of Judgment, Power of Attorneys, etc.

As a Real Estate Investor invested in Residential Real Property & LLP’s buying Commercial Office Buildings & Private Money Mortgage Financing which was secured by a Promissory Note & Deed of Trust on Real Property. As a Business Professional organized & facilitates a Professional Entrepreneur Group filled with CEO’s, Attorneys & Professional Athletes with the objective of freely sharing business operations & ideas amongst each other.

Expert Witness Training Doug participated in a 3 day course with nationally recognized expert John Ulzheimer (formerly with Equifax Credit Information Services & The Fair Isaac Corporation – the inventors of the FICO® credit scoring system) where he answered some of the most difficult questions admirably & was commended by James Little, Esq. for his relaxed appearance along with his ability to take the complicated subject matter & translate it in simple terms anyone could understand.

• Consumer Data Industry Association of Washington D.C. has recognized Doug for successfully meeting the conditions of eligibility & passing the required examination to receive a Fair Credit Reporting Act Certification. - November 3, 2009
• After completing a 3 day Expert Witness training course, he earned a Credit Expert Witness Certification. - September 30 thru October 2, 2009
• Edward Jamison, Esq. of CreditCRM in Los Angeles, California presented Doug with a Certification of Expert status in the fields of Credit Scoring & Credit Restoration. - March 28, 2008
• Doug also earned a Certificate of Achievement & Training Certification: FACTA – Identity Theft Prevention Program.
• At the CMPS Institute Doug met the required standards & successfully completed the training & examination process & is acknowledged as an expert in the area of Mortgage Planning, Cash Flow Management & Real Estate Equity Management. - October 2006
• In 2008 Doug completed & passed the requirements earning the Certified Divorce Planning Professional designation which focuses on creating equitable solutions for divorcing individuals & focusing on protecting their C.R.A.D.L.E. (Credit, Resolve, Assets, Dependants, Life & Estate).
• In 2005, Doug attended HTSA, High Trust Sales Academy, in Chicago, IL & was awarded title of Mortgage Planner with the emphasis on Customer Focused Planning (April 2005).
• Doug has held a Real Estate Salesperson License from the Department of Real Estate in California since 1985.

• Anatomy of Credit Scores: An Insider’s Knowledge & Success Strategies to Overcoming the Complicated Credit Scoring System. - Released 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 PartnerFirst Posted October 2009

• Short Sale Symposium, Ontario, California Presentation on Credit Reporting & Scoring-Life after a Short Sale. - February 25, 2010.
  
  
• Homeowner Outreach Assistance Program, (HOAP), Glendora, California at the Citrus Valley Association of Realtors, Presentation on Loan Modifications, Short Sales, Deeds in Lieu & How Foreclosures differently affect Consumer Credit. - August 21, 2010 & November 20, 2010.
  
  
• First Time Home Buyer’s Class, Simi Valley Library, Presentation on How Important Credit is When Purchasing a Home.
  
  
• Unravel the Mystery of FICO & Learn How to Save Money, Westlake Village, California.
  
  
• FICO Score Improvement & How to Handle Credit Going In & Out of a Relationship, Westlake Village, California.