PAT CULHANE

Leading U.S. Expert Witness in
Credit Scoring and Consumer Credit Analysis

Cases Testimonials

The Culhane Company LLC is lead by credit scoring expert Patrick Culhane. Culhane has been described as a visionary of consumer credit scoring analytics and is the “go-to” United States credit scoring expert. No one brings his level of depth and experience to the resolution of issues regarding credit reporting, scoring, and the approval and use of consumer credit.

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Meet Pat Culhane

  • Credit Scoring Luminary – Former Fair Isaac Executive Vice President and Visionary Developer behind the FICO® Scoring Franchise
  • Consumer Credit Scoring/Credit Reporting Expert Witness
  • Speaker/Commentator on Credit Scoring and Credit Report Analysis

Pat Culhane is Owner and Principal of The Culhane Company LLC, an expert services firm specializing in issues related to credit scoring and credit report analysis. Culhane was the lead architect of the FICO® credit score development during a 15-year career with Fair Isaac (inventors of the FICO credit scoring system).  Often described as a credit analytics luminary, his deep familiarity with credit reporting, credit data, and the analysis of consumer credit usage is the basis for extraordinary clarity and credibility in expert analysis and opinion.

Curriculum Vitae Testimonials

The Experts Agree

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Peter L. McCorkell
Former General Counsel, Fair Isaac Corporation

"Based on my more than 20 years’ experience in the financial services industry, including 13 years of working closely with Pat, I can think of no one with a better understanding of both the technical and business aspects of credit scoring."

Warren Wilcox
Exec in Residence, Payoff Inc.

"Pat knows more about credit data and credit scoring than anyone alive. He is a federally certified expert witness in these same subject areas. Most importantly he is a great human being – and an absolute pleasure to work with."

Ekwan Rhow
Partner at Bird Marella

"Mr. Culhane is a superlative and articulate expert in the field of credit reporting. His analysis and testimony helped my client (a bank) secure a victory in a $10 million plus lawsuit. He is literally the creator of the FICO score and his resulting expertise was convincing to the jury and judge."

Expert Witness Services

Pat Culhane serves as a retained witness in cases involving the reporting and access of consumer credit, and the functioning and use of credit scores. His 29 years in the financial services/credit analytics industry and his pivotal role in the evolution of U.S. consumer credit analysis bring unmatched depth and credibility to analyses, depositions and testimony in hearings..

Case Profiles

Business Principals vs. Retail Bank

The Case: Business Principals vs. Retail Bank The Issue: The downturn of the U.S. economy in 2008/2009 stressed the resources of many small business owners. But it’s a fact: when business owners miss payments on a small business loan, those late payments may generally be reported to the consumer credit agencies. As such, late payments will impact the credit scores of the credit principals. In this case, a controversial charge-off for a disputed high dollar amount was reported, and plaintiffs … [Read more...]

Consumer (Class Action) vs. Major Retail Bank

The Case: Consumer (Class Action) vs. Major Retail Bank The Issue: A leading U. S. retail bank has a practice of accessing and reviewing consumer credit reports associated with signators on deposit accounts. Attorneys for the class of individuals whose reports were so pulled claim the access caused damage to the credit of those individuals due to the recording of inquiries and the scoring of inquiries on subsequent credit reports. Is there really such “damage” to a credit score, and is there … [Read more...]

Pat Culhane serves as a retained witness in cases involving the reporting and access of consumer credit, and the functioning and use of credit scores. His 29 years in the financial services/credit analytics industry and his pivotal role in the evolution of U.S. consumer credit analysis bring unmatched depth and credibility to analyses, depositions and testimony in hearings.

A typical engagement consists of the following:
  • Qualification of the case/assessment of a fit with experience
  • Review of existing related case files and consultation with hiring counsel
  • Written reports summarizing our expert findings and evaluation of opposing expert opinions
  • Depositions and/or hearings testimony
Credit scoring-related issues frequently involve:
  • The impact of score changes on credit approval and credit pricing
  • Alignment or comparison of scores across bureaus or over time
  • Relative impact of components of a credit report on scores
  • Degradation in credit reputation and its uniformity or variation in a class

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Contact Pat Culhane