The Fundability™ Podcast

What are authorized users? In this episode, Merrill Chandler takes a more in-depth look into the truth about authorized users. There is so much misinformation about authorized users, especially now with so much personal or global financial crisis. What you do and how you allow other people to interact, or how you interact with other people’s accounts can be a deal-breaker. Listen to Merrill as he...

A financial crisis seems to be just around the corner, but if you’ve played your cards rights up to this point, then you’re probably poised to do well instead of losing out. A financial crisis, if you’re ready for one, opens up opportunities, so you’ve always got to be ready to jump at those opportunities. Merrill Chandler talks about keeping your fundability alive so you can thrive in the middle...

In the world of lending, three simple words can affect your future in ways you might not realize: paid as agreed. The impact these three words can have on your fundability is massive, so you have to get familiar before you take any big gambles. Merrill Chandler dives into the repercussions of having the words “Paid As Agreed” on your credit report. Times are getting tough in the lending world, so...

Tom Hazzard  is the CEO and Co-Founder of  Brandcasters, Inc , a podcast empire delivering an end-to-end service that produces, publishes, and promotes podcast shows. In this episode, Tom joins Merrill Chandler to talk about industry discrimination and the SIC code mess felt by businesses like Tom’s Brandcasters, Inc. With the current global health issue, it has become very crucial to le...

Businesses around the world, be it big or small, are equally affected by the Coronavirus. Fortunately, there are still disaster loans available to help mitigate some of the costs that businesses still incur despite lockdowns. In this episode, Merrill Chandler is joined by Jessica Tabora , a Business Manager at CreditSense , to discuss fundability despite the rise and fall of the economy. Jessica e...

With the new FICO 10 around the corner, Merrill Chandler goes ahead and gives a refresher in this episode. Getting into the history of FICO to enumerate the changes implemented over the years, he proceeds to share his bootcamp that will deep dive into FICO 10 and give you all the tools you’ll be needing. He also talks about the changes that are worth taking note of when you’re looking to increase...

With the Coronavirus pandemic, major banks are allowing clients to skip payments for April. In this episode,  Merrill Chandler  refers to one of his Facebook Lives, which was a Q and A session where he was presenting the Miss-a-Month Program. Answering a concern from someone on the validity of banks allowing them to skip payments for the current month, Merrill elaborates on these miss-a-...

Many people are on a mission to accrue as much wealth as they can secure for themselves, but they don’t realize that they should start by answering the question of how they can protect that wealth. Asset protection is often neglected in the discussion of acquiring wealth, but that has to change. Merrill Chandler is joined by Aaron Young , an asset protection expert. Together, Merrill and Aaron ill...

During a crisis, you have to be equipped to make the choices that will positively benefit you in the long run, instead of panicking in the present and running out of resources for the future. In order to make the best possible decisions for success, you must be ready for all your worst-case scenarios, and be smart about how you’re going to go about everything. Merrill Chandler is joined by Brad Bu...

Smart planning is all about having an attractive and fundable credit profile already in play before any disaster. Unexpected events that reverberate throughout the world such as catastrophes or pandemics can mess up the goals you’ve set for yourself in unexpected ways, and that includes your goals for fundability. Merill Chandler discusses smart planning and what you need to do to make your fundab...

Let’s go behind the scenes of how Merrill Chandler helps clients with their fundability questions. In this episode, Merrill shares his conversation with one of the CreditSense Solutions Coaching clients where he answers a question that must also be pressing those who are building their QFE (Qualified Fundable Entity): “What do I use the money for?” Merrill lays down the rules of engagement of usin...

What is a collection account? In this episode, Merrill Chandler takes us to a deep dive into what’s the life story of a collection? What is its impact on our fundability, our profiles, and collection accounts? How do they become a thing? How can we help them go away or cause bureaus to do so after we audited our profiles? Listen intently as Merrill gives everything you need to know about collectio...

FICO never seizes to impress us. Today, Merrill Chandler talks about some interesting tactics and strategies that are being used by one credit bureau and by FICO to create a more inclusive credit score. The question is does that make you more fundable? Merrill gets down on UltraFICO and Experian Boost , which is offered by Experian but uses FICO. He also reveals what appears to be an awesome oppor...

Everyone has triggers: things that push them outside their comfort zone, force them to confront something they don’t want to and make them uncomfortable. While on the surface, triggers might not seem all that helpful, each one is actually an opportunity for growth beyond yourself. Merill Chandler dives into one of the most important principles of success: being able to tread outside of your idea o...

They say that the first step of any journey is the most important and most difficult step, and the same definitely holds true for improving your fundability. Getting started down the path of fundability can be tricky, but whether your personal profile is buried in bad credit or virtually non-existent, it’s never impossible. Meet Kirk Wettschreck – a husband, father, real estate investor and busine...

Scams have always been a part of history, whether it’s in business, employment, and even elections. This time, a scam involving social security to get your attention is circulating, and people must be made aware. Merrill Chandler raises awareness by spreading the news, going into detail, and breaking down the scammer’s MO. He talks about the people who could be most susceptible to scams and how we...

A lot of experts agree that the next recession is not a matter of ‘if,’ but a matter of ‘when.’ During trying times, making sure your credit profile is protected as early as possible poses no harm and allows you to reap all the benefits it has to offer. Merrill Chandler gives a subtle reminder of what occurred during the previous recession and shares the development and what to expect from FICO on...

If you’re part of  Mint ’s mailing list, you might have received an email that claims to help you kick off the year with a brand new credit score. Merrill Chandler is here to remind you not to fall into that landmine. In this episode, he discusses how that email is more of an advertisement rather than informative and beneficial for you. He starts off by discussing what  Credit Karma &nbs...

A failing credit account is absolutely bad news for your fundability in the long run. Just one mistake can cause your account to fall into a continuous state of degradation, accumulating points you could have avoided. Merill Chandler discusses what having a failing credit account means and how you can ultimately avoid it. Don’t let one mistake dictate your fundability forever! Make sure you’re rec...

So you’ve hit the jackpot, found success in whatever field you’ve chosen, and are beginning to find your bliss. What now? The problems of the successful are a completely different ballgame than those you might encounter when you’re still looking for success. Merill Chandler talks about the black holes of success and dives into the problems that a successful person might not see happening before th...

This is the next phase after the Into the Madness series, and today, Merrill Chandler gives us another history lesson by sharing something that has been happening for this entire time.  He tells us exactly the rules as to what can and cannot be listed on our credit profile when doing an accuracy audit or when having someone do it for us. In the GetFundableBootcamp.com , he also talks about co...

Are you investing in fundability optimization for yourself? If not or your efforts seem to cut short, then this episode is especially for you! Bringing in one of Merrill Chandler’s senior advisors, the CreditSense Advisor Team 1, he sits down with Dehlila Claire. Together, they talk about some of the personal choices Dehlila has made that highly impact her fundability. In particular, she tackles t...

The REAL ID Act has been a long time coming, and now that it is here, Merrill Chandler takes you into a deep dive into understanding the facts and fiction about it. He talks about the important things you need to know and whether it matters or not. Merrill drops right into a complete review of what the REAL ID Act is and the workarounds that exist. Gathering from his experience, he then shares som...

Credit has long existed with its interesting history from the old merchant’s association to Henry Ford and Mr. Singer creating the first installment plans. In this episode, Merrill Chandler talks about the insider secrets to the credit bureaus’ playbook. Taking us behind the scenes, he pulls back the curtain on credit bureaus and their motivations. He also shares some credit bureau “loopholes” and...

We use money every day but most of us do not know its history and evolution. In this episode, Merrill Chandler talks about the origins of money and how paper money and credit has taken over the original intent for which money was designed – going through the Roman times into the medieval times, the Renaissance, and into modern banking. He also deep dives into the lender’s playbook. Don’t miss this...