Julie Macc, Certified Credit and Identity Theft Specialist, is a second generation Credit Specialist and a recognized expert on credit reporting for both consumer and business credit scoring. In addition her expertise includes FCRA, FDCPA, TCPA, reasonable procedures, and credit damages.Julie serves as an expert witness/legal consultant for law firms practicing Consumer Credit Law in both Federal and State court and has been retained as a expert witness for Consumer Credit Litigation cases involving Banks, all 3 of the major Credit Bureaus and third party credit furnishers.