Expert Witness Services
Authoritative, court-tested expertise in credit reporting, FCRA, financial damages, and mortgage underwriting — in over 150 cases across federal and state courts.
Why Doug Minor
The Expert Attorneys Trust
in Credit Litigation
Doug Minor brings a rare combination of academic credentials, industry experience, and courtroom-tested expertise to every engagement. With an MBA from Saint Mary's College of California and over 30 years in credit reporting, mortgage underwriting, and consumer finance, he provides opinions that are both technically sound and persuasively communicated.
He has been retained as expert witness in over 150 matters in federal and state courts — including the U.S. District Courts for the Eastern, Central, Northern, and Southern Districts of California, as well as courts in Texas, New Mexico, Washington, Ohio, Oklahoma, Louisiana, Alabama, and Arizona.
Types of Cases
Services
Expert Witness Capabilities
Credit Report Evaluation & Impact Analysis
Comprehensive review of consumer credit reports to identify errors, inaccuracies, and FCRA violations — with detailed analysis of the financial and credit score impact on the consumer.
Credit Damages Report & Quantification
Preparation of expert damages reports that identify, categorize, and quantify the types and extent of credit-related harm suffered — including lost lending opportunities, increased interest rates, and economic injury.
FCRA Violation Analysis
Expert review of Fair Credit Reporting Act violations by credit bureaus, furnishers, and users of consumer reports. Covers accuracy obligations, dispute procedures, and permissible purpose requirements.
Mortgage Underwriting Review
Analysis of residential mortgage loan applications (Forms 1003 & 1008), underwriting decisions, and credit-based lending determinations. Covers prime, sub-prime, and private money markets.
Metro 2 & E-Oscar Expertise
Deep technical knowledge of the Metro 2 credit reporting format and E-Oscar dispute processing system — the industry standards used by furnishers and credit bureaus to report and investigate consumer data.
Deposition & Trial Testimony
Clear, confident, and well-prepared testimony in depositions and at trial. Trained to translate complex credit and financial data into terms that judges and juries can understand and act upon.
Federal Truth-in-Lending Review
Review of Truth-in-Lending Act (TILA) disclosures and compliance in consumer lending transactions, including mortgage and installment credit agreements.
Unfair Debt Collection Analysis
Evaluation of debt collection practices for FDCPA compliance, including harassment, false representations, and improper collection methods that cause credit harm.
Deposition Question Development
Assistance to counsel in developing technically precise and strategically effective deposition and trial questions for opposing experts, credit bureau representatives, and furnisher witnesses.
Methodology
How Doug Approaches Each Case
Initial Case Evaluation
Review of pleadings, credit reports, dispute records, and relevant documentation to assess the nature and extent of alleged credit harm.
Technical Analysis
Deep-dive into Metro 2 reporting data, E-Oscar dispute records, FCRA compliance timelines, and credit score impact modeling.
Damages Quantification
Application of the Credit Scoring Mortgage Analysis Model to quantify financial harm — including lost lending opportunities, rate differentials, and economic damages.
Expert Report Preparation
Preparation of a comprehensive, well-documented expert report that meets federal and state court standards for admissibility and reliability.
Deposition Testimony
Clear, confident deposition testimony that withstands rigorous cross-examination and advances the retaining party's position.
Trial Testimony
Compelling courtroom testimony that translates technical credit data into findings that judges and juries can understand and rely upon.
Retain Doug Minor as Your Expert Witness
Available for plaintiff and defense matters. Contact for availability and rates.