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 | 590 | Founded | 2 years ago | Last Issue | 5 days ago |
| Active | |||||
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creditgenius.substack.comLatest Issues
Don’t Settle for a Pamphlet When You Need the Whole Book.
We’re all running. Some of us are running toward something. Some of us are running away from something.
Maybe you’re running toward your first home, a dependable car, or a little financial breathing room. Maybe you’re running away from ove...
GMC Podcast Season 2 Episode 4 The History of Credit Cards: From Store Credit to Consumer Surveillance - Part 1
In Part One of The History of the Credit Card on the Give Me Credit podcast, we explain how a small piece of plastic became one of America’s most powerful financial tools. Quite an achievement for something that fits in your wallet.
John A...
Incognito’s News, Views, PUs, and Snafus for the Week Ending October 3, 2026
John A Mackey CreditGenius is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.
Every week, I spend hours reading what most professionals don’t have time to read. For $8...
Three Bureaus Walk Into a FICO
Your credit score looks simple: three digits, sitting quietly on a screen.
Behind those digits is a business involving credit bureaus, scoring companies, lenders, and financial marketplaces. Some collect your information. Some turn it into...
GMC Podcast Season 2 Part 3 - FICO 10T and Financial Surveillance: Richard Vague Examines the Future of Credit Scoring
In Part Two of this Give Me Credit podcast conversation, hosts J.S. Whaldo and John Mackey continue their interview with Richard Vague, former Director of Banking and Securities for the Commonwealth of Pennsylvania.
The discussion focuses...
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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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