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 | 584 | Founded | 2 years ago | Last Issue | 41 hours ago |
| Active | |||||
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creditgenius.substack.comLatest Issues
Incognito Podcast The Invisible Scorekeepers: What Credit Bureaus Won't Tell You About Your Data
Your credit report may look official, but it is not a government record. Credit reporting is a private business operated by Equifax, Experian, and TransUnion. Banks, credit card companies, mortgage lenders, debt collectors, and other credit...
The Pay-to-Play Credit System: Unmasking the Hidden Fees Banks Pay to Track Your Debt
Your Credit Report Is Not a Public Record
Most people think credit reporting happens automatically. You open a credit card, make a payment, and the information somehow appears on your credit report. It can feel like a public record that up...
INCOGNITO - They Shoot Horses, Don’t They? Credit Reports Just Give You a 9.
Reading a credit report for the first time can feel like opening a file written in code. You see balances, dates, account numbers, abbreviations, and status ratings that seem designed for bankers rather than ordinary people.
Among those ra...
They Shoot Horses, Don’t They? Credit Reports Just Give You a 9.
This is an updated post from 2025.
Reading a credit report for the first time can feel like opening a file written in code. You see balances, dates, account numbers, abbreviations, and status ratings that seem designed for bankers rather t...
GMC Season 2 – Part 2 -- Private Debt Warning Signs: Richard Vague Explains When Borrowing Becomes Dangerous
We are off and running in our first interview for season two.
In this episode of Give Me Credit, hosts J.S. Whaldo and John Mackey interview Richard Vague, former Director of Banking and Securities for the Commonwealth of Pennsylvania, abo...
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| Subscribers | Engagement | 73 | 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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