The Fundability™ Podcast

In the credit and lending space, exhausting data about a client’s fundability is crucial. In this final installment of Into the Madness, host Merrill Chandler deep dives into credit profile, consumer disclosure, and myFICO. He takes us through the details of an Experian consumer disclosure and how it records all the salient information that is used in a 24-month lookback period and evaluated by FI...

Credit bureaus lose money when they give you a Consumer Disclosure. They don’t want to give you this raw data because this information is what they use to establish not just your look-back period, but the metrics that both FICO and lender software use to approve you and will give you higher or low rates or higher or low approvals. In this episode, Merrill Chandler gives us a look at how credit bur...

As the adage goes, there is more to something than meets the eye. The same is true when it comes to our fundability. In this third installment of the Into the Madness series, we continue on understanding our consumer disclosures by zoning in and taking a deep dive on Equifax. Host, Merrill Chandler reviews a sample file to show you the ropes of getting bigger approvals with your Equifax data. We n...

Getting access to all of your raw data files directly from the credit bureaus can be tricky; but with Merrill Chandler’s help, it doesn’t have to be. Continuing with the second part of the Into the Madness series, Merrill guides us into the process of ordering consumer disclosures. Here, he discusses how you fill out the form properly to order free consumer disclosures that are authorized by feder...

On today’s show, Merrill Chandler dives right into what is happening in the Get Fundable world and how people can continue to be a part of that. Explaining the need to change the name of the show from Are You F*able to Get Fundable, Merrill emphasizes his continued commitment to waking people up to their greatness, to their financial dreams, and to making sure that they can have everything that th...

Credit score greatly matters in today’s financially driven world. In this episode, Merrill Chandler discusses FICO, including all three bureaus and myFICO advanced credit report. He talks about revolving utilization and the necessity to compare accounts. Merrill also clarifies to us what is serious delinquency, where one’s debt limit is based on, and how evaluating different criteria between burea...

There are so many factors to fundability, so it’s appropriate that there be so many fundability services, or at least services related to fundability, out there. Everybody has a different need, and different people and firms specialize in different services. Along with one of his partners at CreditSense, Jessica Guisinger Tabora , Merrill Chandler runs through some of the best people, companies, a...

How much money do you and your company burn paying taxes on various things year in and year out? Saving on taxes can be relatively easy—that is, if you’re working with the right strategies. Merrill Chandler discusses some techniques to help you get huge savings in taxes that will build over time. Imagine how much more money could be circulating in your company! Let Merrill teach you some great way...

Why are you in the business that you’re in? Today, Merrill Chandler challenges us to fill our hearts with love by filling our time with our loved ones instead of the tech and gadgets all around us. This episode can act as a guide to discovering the why behind our desire to get more money and fulfill our financial dreams. Remember to always invest in your why and go back to those who are valuable t...

Celebrating wins boosts your drive towards doing more good deeds for others. In this episode, Merrill Chandler takes a deeper look at some of the things that’s been happening recently in his life and how they’re impacting his fundability. Using the journey to publish his book as an example, he talks about how to take the wins. Celebrate more wins with Merrill as he reminds us the importance of peo...

The more fundable you are, the more affable you are. In this episode, Merrill Chandler is joined by business strategist Brad Burnett and real estate coach Krista Mashore  to discuss what it takes to be more fundable, how to maneuver and navigate revolving accounts, and many more topics related to building your credit profile. Don’t miss this exciting Facebook Live Q &A episode to learn ho...

Investor attitude has changed across generations. Today, Merrill Chandler proudly interviews his own daughter, Sharon Chandler, about building her credit profile. Sharon has been teaching Millennial investors like her about the right way to invest in this modern economy. Here, she shares her knowledge on credit and how to build perfect profiles from the ground up. Join Merrill and Sharon as they s...

It is the holiday season, and many of us are going to be spending a little extra on gifts and other activities. Just as our pockets become vulnerable at this time of the year, our fundability may suffer, too. For this episode, Merrill Chandler shares the five fundability killers of the holidays. He goes in-depth into the rabbit hole you may find yourself in as you go out to shop and swipe your cre...

Banks and smaller businesses rely on FICO to measure our credit line with their algorithm. That is why it is important that we have some knowledge with regards to how we are being measured as it would give us an edge to have a better credit score and make us more fundable. Host Merrill Chandler the FICO algorithm and what they really measure, revealing the 150 borrower behaviors that can affect yo...

A lot of people are unaware of how FICO calculates credit scores. In this episode, host Merrill Chandler interviews David Smith , a FICO Liquid Credit Liaison, about how one can have a better credit score to make themselves and their business more fundable. Don’t miss this episode to discover the things that you need to watch for in business credit scoring and how things are going to roll out over...

The world of lending and borrowing is constantly changing, and thus the techniques for securing loans also evolves. Funding hacking is one of the ways through which one can stay on top of the game. Joined by the CMO and Chief Funding Officer of CreditSense , Brad Burnett , Merrill Chandler gets into the nitty-gritty of the concept of funding hacking and the many ways it occurs in the financial wor...

Your FICO score might just be one of the most important elements of your credit application. Because so many lenders use the FICO system, it might be best for you to get acquainted in the ways you can help the system see you as a better applicant. Merrill Chandler is joined by Jessica Tabora , a business manager at CreditSense . Merrill and Jessica run through the ways FICO matters in your credit...

Every employer has a fiduciary responsibility not only to their company as a whole but also to their individual team members. Part of this fiduciary responsibility is having a sense of realism about employee value within your company as opposed to the job market. Merrill Chandler makes a case for every employer’s responsibility to manage their employees’ expectations about their value in the job m...

Every time we’re online, there’s a risk of our personal information being exposed through data breaches. These breaches can get pretty nasty, hitting you where it hurts most. Merrill Chandler gets into how these more risky data breaches happen and how you can protect yourself, especially in relation to your credit application. On its own, applying for credit can be a hard enough process. Imagine c...

To potentially become more fundable and get the best rewards approval out of our credit line, we have to align ourselves with funding behaviors. We also have to keep in mind the nitty gritty in the documentations that come with it. Merrill Chandler discusses how you should go over your fine print and find out what they’re going to hold against you if you do certain behaviors.   Love the show?...

With some of the biggest gift-giving holidays coming up, merchant cards are back in season. These cards you get during your holiday shopping nab you discounts or free stuff, but do you know that there’s also a hidden risk to using them? As a borrower, your credit rating is one of your most valuable assets. If you mess with that, you ultimately make yourself unfundable. Learn how to best protect th...

Are you aware that gender bias is affecting lending approvals? In this episode, Tracy Hazzard , Inc. Magazine Columnist and podcast content strategist, talks about how gender bias affects women when it comes to approvals and other sector of ethical subjects. Tracy provides insights on how to change this code-based problem to make women and other communities more profitable. Join Tracy as she impar...

In this episode, fundability expert Merrill Chandler teaches you how to order business credit reports so you can spot deal killers and red flags. Using CreditSense, LLC, follow his step-by-step guide on which options to choose, what data to input, and how much to pay for them.   Love the show?  Subscribe, rate, review, and share! Here’s How » Join the Get Fundable! Community today: GetFu...

In this modern era, people perceive financial algorithms as witchcraft because they don’t understand the first thing about it. Even the frontline lenders’ staff do not know how algorithms decide fundability or funding approvals. However, it’s been proven over and over again that technological advances are not necessarily evil. In this episode, Merrill Chandler talks about the things we need to und...

What can you reap from using the authorized user strategy? In this episode, Merrill Chandler and Co-Host Brad Burnett exchange insights as they answer questions related to this strategy. While the unholy trinity of credit reporting surfaces in the topic, they discuss about the organic evolution of credit from farm tabs to its formal industrial extension up until what it is today.  They also n...