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 | 512 | Founded | a year ago | Last Issue | 7 days ago |
| Active | |||||
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creditgenius.substack.comLatest Issues
Podcast 44 Give Me Credit: Judgment Day Isn't Payday
Most people believe that once a creditor wins a lawsuit, the money simply appears. The judge signs an order, the debtor writes a check, and the case is over.
Reality is far more complicated.
On this episode of Give Me Credit, attorney Dav...
INCÓGNITO - June 14, 2026 - News, Views, and P.U.s for Realtors, Loan Officers, and Mortgage Bankers
Inventory Is Rising. Sales Are Improving. Consumers Are Still Holding Their Noses.
Welcome to Incognito.
News, Views, and P.U.s for Realtors, Loan Officers, and Mortgage Bankers - June 14, 2026
Inventory Is Rising. Sales Are Improving. Consumers Are Still Holding Their Noses.
Introduction
The Machines Are Calling and the Bills Are Growing - News, Views, and PUs
I encourage you to subscribe. A lot of what’s coming next will be reserved for paid members. And at just $8 a month, the value speaks for itself.
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The American consumer is being squeezed from nearly every direction.
Housing...
Drowning in Information, Starving for Wisdom
We are the most informed generation in human history, yet we have never felt more powerless against the systems that govern our wallets. Every day, we are bombarded by 15-second sound bites, viral headlines, and a relentless stream of data...
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| Subscribers | Engagement | 72 | Monthly Web Visits | ||
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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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