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 | 473 | Founded | a year ago | Last Issue | 7 days ago |
| Active | |||||
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creditgenius.substack.comLatest Issues
Module 7 - Debt Collection: Lies, Damn Lies and Deceit
Validation, Cease and Desist and the Dunning Letter
Module 7 Introduction — The Paper Trail That Stops the Machine
GET UP: When a Culture of Consumption Turned Wants Into Needs
Most people don’t wake up one morning and decide to wreck their finances. It doesn’t happen all at once. It happens slowly, quietly, and over time. One purchase at a time. One monthly payment at a time. One emotional decision disguised as a...
Give Me Credit Podcast 39 – The Truth About Modern Mortgages
On this episode of Give Me Credit, mortgage expert J.S. WHALDO and credit specialist John Mackey sit down to break apart one of the most misunderstood areas in modern mortgage lending: temporary buy-downs and adjustable-rate mortgages, bett...
The Economy Is Lying to You & Credit Bureaus Don’t Fix Credit Anymore
Credit Bureaus Don’t Fix Credit Anymore (LISTEN AT THE END)
Tonight on Incognito, John Mackey takes apart one of the biggest illusions in modern America: the idea that the economy is healthy because the government says it is. On paper, inf...
News, Views & P.U.s: The Economy of Denial
May 9th, 2026. Welcome to Incognito — the news, views, and PUs… what stinks. I’m John Mackey, and tonight we’re looking at an American economy that increasingly feels like it’s running on pressure, debt, and public relations. Mortgage rates...
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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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