Give Me Credit

Did you know outdated info and confusing scores could be dragging down your credit without you even knowing it? In Give Me Credit Ep. 9 – Why the Credit System Fails You and How to Take It Back , JS Whaldo and credit expert John Mackey reveal what’s wrong with the US credit reporting system—and exactly how you can take control. Discover why paid debts should vanish immediately, how inconsistent sc...

In this second and final episode of our two-part series, hosts J.S. Whaldo and John Mackey continue their deep dive into the truth behind credit repair scams flooding social media. This discussion exposes the fraudulent claims that lure consumers with promises of instant fixes, “legal loopholes,” and permanent deletions. The hosts explain how debt is legally treated as a business asset , meaning t...

A large number of people attempt quick-fix credit repair schemes and ultimately suffer real damage. They often have to seek genuine help to resolve both the original problem and any new issues created by the scam. The true cost of falling for such deceit is not just the money lost, but also wasted time, missed opportunities, and potentially serious financial consequences, such as wage garnishment....

Millions of Americans check their credit, but few know the full scope of their rights under the Fair Credit Reporting Act (FCRA). In this episode of Give Me Credit , JS Whaldo and John Mackey continue to break down the essentials—from accessing your credit report and disputing errors to understanding hard vs. soft inquiries and even freezing your credit for privacy. They also explain how you can s...

Most people don’t realize just how much power the Fair Credit Reporting Act gives them. In our newest episode of Give Me Credit , John Mackey and I break down your rights under the FCRA—what you’re entitled to, how to protect yourself, and why written disputes can make all the difference. From free annual credit reports to the 30-day rule for investigations, this episode gives you the knowledge yo...

In Episode 4 of Give Me Credit, J.S. Whaldo and John Mackey dive into the credit report red flags that can impact your mortgage approval. We break down how lenders interpret discrepancies, the role of authorized user accounts, and how different debts, such as installment, revolving, and medical collections, influence your credit score. Whether you’re applying for a VA loan, conventional mortgage,...

Think you know what really goes into your credit score? You might be surprised. In this week’s episode of Give Me Credit , I sit down with John Mackey to break down the five key factors that shape your score, clear up some of the biggest myths, and explain how upcoming changes in the FICO and VantageScore models could affect you. It’s a conversation packed with insight, and a reminder of why keepi...

Ever wonder what really happens behind the scenes of a mortgage approval? In this episode of Give Me Credit, John Mackey from Credit Geni.us and retired mortgage underwriter J.S. Whaldo pull back the curtain on the world of mortgage underwriting. Together, they explain how underwriters review borrower qualifications, from credit scores and income documentation to bank statements, W2s, and pay stub...

The "Give Me Credit Podcast" is a collaborative effort between John, a credit expert and author, and JS Whaldo, a 30-year veteran underwriting expert. Their primary mission is to provide clarity and education on the often-confusing world of consumer credit. Goal: To demystify consumer credit, credit scoring, credit reports, debt collection, and their impact on major life decisions like buying a ho...