John A Mackey CreditGenius
John A Mackey, J.S. WhaldoEveryone has an opinion about credit. John Mackey has the experience. John goes beyond the credit scores and sales pitches with sharp analysis, original reporting, and more than 35 years of experience to show you how the credit system really works.
| Platform |  | Pricing | Freemium | Publishes | Daily |
|---|---|---|---|---|---|
| Issues | 605 | Founded | 2 years ago | Last Issue | 5 days ago |
| Active | |||||
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creditgenius.substack.comLatest Issues
Incognito: The Fine Print Has Teeth - News, Views, P.U.s, and SNAFUs week ending October 31, 2026
Can I tell you what bothers me about this
week’s financial news?
We keep telling people to be responsible.
Pay on time.
Read the contract.
Keep good records.
Fair enough.
But what happens when the company keeping
your records gets...
News, Views, P.U.s, and SNAFUs — week ending October 31, 2026
Introduction
It is Halloween, but some of this week’s scariest stories do not involve ghosts. They involve credit card interest, student loan records, debt collectors, and the people trusted to protect our financial information. At least a...
Your Financial Secrets. Their Security Failures.
The Consumer Financial Protection Bureau, the top U.S. agency responsible for consumer financial protection, is falling short on securing databases containing large amounts of sensitive consumer and business information. A watchdog report r...
GMC Podcast S2 Ep 7 The Credit Bureau Is Watching: How Your Personal Data Became a Product
n Part One, we explained how credit reporting began with local gossip, handwritten records, and secret judgments about a person’s character. In Part Two, the neighborhood busybody gets a computer. Beginning in the 1960s, credit bureaus comb...
Incognito - The Economy Looks Strong. So Why Are Families Drowning in Debt?
Mortgage rates, student loan collections, medical bills, and credit card debt tell a story that economic headlines often miss.
We keep hearing about economic growth. Businesses are investing. Technology promises to change everything. Somew...
Key Facts
Audience Metrics
Subscribers, engagement, traffic and sponsorship for John A Mackey CreditGenius.
| Subscribers | Engagement | 73 | Monthly Web Visits | ||
|---|---|---|---|---|---|
| Accepts Sponsors | Estimated Cost per Ad | ||||
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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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