John A Mackey CreditGenius
John A Mackey, J.S. WhaldoJohn A. Mackey — “The Credit Genius” — is a FICO-certified credit expert and Marquis Who’s Who honoree who has worked inside the system since 1987, regarding credit, credit scoring and debt collection really work so you can turn confusion into leverage.
| Platform |  | Pricing | Freemium | Publishes | Daily |
|---|---|---|---|---|---|
| Issues | 434 | Subscribers | Read | creditgenius.substack.com |
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Latest Issues
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The Course - Debt Collections: Lies, Damn Lies, and Deceit - Module One
From Pressure to Power: Understanding the System, Knowing Your Rights, and Taking Back Control
Podcast 33 - Debt Collectors: Lies. Damn Lies and Deceit
In this episode, JS WHALDO and John Mackey talk about the course, Debt Collections: Lies, Damn Lies, and Deceit—a deep dive into how the debt collection machine actually operates behind the scenes. Not the version you’ve been told… but the ...
Release - Debt Collections: Lies, Damn Lies and Deceit
As this course launches, it’s not happening in a vacuum—it’s happening in the middle of a surge. Recent data tied to the Consumer Financial Protection Bureau shows something most people haven’t fully grasped yet: debt collection complaints ...
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Authors
The writers behind this newsletter.
Winner of Marquis Who's Who, John Mackey, founder of CreditGeni.us, Master Credit Solutions, US Credit Project, and Give Me Credit Media, is a leading expert in credit restoration, FICO scoring, and debt collection.
I’m J.S. Whaldo, a mortgage underwriter for over 30 years. I explain guidelines, loan decisions, and how to avoid surprises for homebuyers, Realtors, bankers, and mortgage professionals. Co-host of the podcast Give Me Credit.
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