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 | 539 | Founded | a year ago | Last Issue | 6 days ago |
| Active | |||||
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creditgenius.substack.comLatest Issues
Debt Collection Laws Explained: Your Rights Under the FDCPA and Regulation F
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Executive Brief
News, Views, and P.U.s® Credit Report News, Housing Market & Personal Finance
News, Views, and P.U.s
Week Ending July 12, 2026
Introduction
If you spent a few minutes reading this week’s financial headlines, you probably came away thinking they covered a wide assortment of unrelated subjects. One article discussed...
The Credit Report Trap: Why Your Credit Score Isn't the Problem (Experian, CFPB & the Truth About Credit Reports)
The CFPB's lawsuit against Experian exposes major flaws in credit reporting. Learn why your credit report matters more than your score and how to protect your financial future.
Throughout my work, I explore the systemic flaws and immense p...
CreditGeni.us® Incognito - The Credit Dispute Black Hole
Welcome to CreditGeni.us Incognito.
For nearly four decades, I’ve taught consumers, lenders, Realtors, attorneys, and financial professionals about credit. During that time, I’ve noticed something curious. Most people don’t really understa...
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| Subscribers | Engagement | 72 | 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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