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 | 572 | Founded | 2 years ago | Last Issue | 4 days ago |
| Active | |||||
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creditgenius.substack.comLatest Issues
The Adult Pacifier: How Credit Card Debt Keeps Grown-Ups Financially Stuck
Credit card debt rarely begins with mathematics. It usually begins with emotion, convenience, or one innocent sentence: ‘I’ll pay it off next month.’ Then next month a scheduling conflict develops.
The Swipe That Soothes - Until the Bill...
INCOGNITO - THE CREDIT CARD DEBT TIGER
Millions of Americans believe they are riding the credit card tiger.
They believe credit gives them power.
It gives them purchasing power.
It gives them flexibility.
It gives them a way to handle an emergency, buy groceries, repair the...
The Credit Card Debt Tiger: How Minimum Payments Keep Americans Trapped
Remember John F. Kennedy our former president in the early 1960s? Some of you do, but most do not. President John F. Kennedy nailed it:
“Those who foolishly sought power by riding the back of the tiger ended up inside.”
He wasn’t talking...
Encore Performance: The Hidden Risks of Buy Now, Pay Later—What Every Consumer Needs to Know
Welcome back to this Encore Performance of Give Me Credit, one of our timely conversations about Buy Now, Pay Later (BNPL) and its growing impact on consumer credit, credit scores, and mortgage lending. If you’ve ever wondered how Buy Now,...
Incognito for Week ending August 30, 2026 - A+ on Wall Street, B− on Main Street?
Welcome to Incognito.
This is where we look behind the numbers…
underneath the headlines…
and occasionally under the rug…
where politicians hide anything that does not fit inside a campaign speech.
Today, we are grading the United Stat...
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| Subscribers | Engagement | 73 | Monthly Web Visits | ||
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| 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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