John Knows Credit

Welcome to John Knows Credit

"Getting educated about credit is one of the wisest investments you'll ever make." - John Panzella


About John

Who is John?


John Panzella is one of the nation's most experienced credit experts helping educate high school and college students, consumers, realtors, first-time homebuyers and businesses about all aspects of consumer credit, credit reports, and the credit industry. He is a strong believer in empowering consumers and helping them keep more of their money by paying less for cars and homes, and many other things, which is exactly what a good credit report will help you do. 

With over 25 years of experience, John is a knowledgeable, respected, and multi-certified credit expert.  He conducts credit education workshops all over the country.

As a popular speaker, educator and author of "Give Yourself Some Credit!  A Graduate's Guide to Understanding and Establishing Good Credit", John enlivens each workshop with his charming, down-to-earth speaking style and in-depth grasp of the subject. Additionally, he is qualified to serve the legal community as a credit expert witness.    

John published his second book in 2019 called "111 Bits of Wisdom to Help You Become a Better Human"



John's career in credit started in 1984.  His very first job, while still in high school, was at JC Penney Credit Services.  After high school, while in college, John worked for Sears Credit Services for several years.  Since then, John has enjoyed more than 25 years working in the financial services sector, including 19 recent years in the credit reporting industry.  

Today, John is a multi-certified credit expert, credit educator, credit tutor and consultant who has achieved the following designations:

FCRA (Fair Credit Reporting Act) Certified

Payment Card Industry Data Security Standard (PCI DSS) Certified

Certified FICO® Professional -  AllRegs Academy

Fair Lending Certified

Credit Expert Witness Program Training Completion

Instructional Design Certified - California State Long Beach University

Ulster County Regional Chamber of Commerce - Member in Good Standing 2019



  I just wanted to thank you again for the wonderful training you provided yesterday. Your presentations were both informative and entertaining and there was so much useful information provided. The feedback from tmy the attendees was overwhelmingly positive and I wanted to make sure you were aware of that. We would love to have you back!
S.B. Toledo, OH   

Thank you for your expert advice and guidance for those of us who are not familiar with our credit history. Your delivery (of what can sometimes be confusing information) was clear, concise and highly educational.
W.M. New York, NY   

Thank you for the wonderful workshop. I have never learned so much useful information in a two-hour seminar. I now know how to better handle my credit so that I can improvee my scores and better protect myself from unscrupulous identity thieves.
S.C. Atlanta, GA  

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John Knows Credit

(845) 636-0550

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