The Fundability™ Podcast

We take one of the greatest mysteries about credit scores that keep you back from being fundable. In this episode, Merrill Chandler shows how lenders and FICO dangle the idea of a credit score in front of us so they can distract us from what they’re measuring. Discover the truth about FICO and these so-called Fake-O scores, and find how you can play and win the fundability game. Love the show?&nbs...

It’s hard to imagine that many are losing opportunities simply because they are being cheated by a scoring system. This is how others are going through with Dun and Bradstreet’s Paydex. In this episode, Merrill Chandler and Brad Burnett talk about what the Paydex score is all about. As they take us into their little trip to FICO that revealed multiple things they weren’t aware of, they also explai...

Everyone in the funding world has their own goals and motivations for their actions. Sometimes because of this, friction is created that so often impact people’s fundability and credit approvals. In this episode, host Merrill Chandler introduces these funding game players and exposes their secret motivations. To win in this funding game, you need to get to know who you are up against. Together wit...

In this highly technological era, protecting your identity from thefts and annoying sales agents can be a challenge. The good news is, you can actually do so and there are many ways to do it. Merrill Chandler shares some strategies on how to protect your personal credit identity from fraud, being hijacked, and even being stolen. He also touches on techniques to protect your fundability that will,...

Not many are aware that identity is crucial to being fundable. That is why it’s important to understand how to make your identity part of your fundability, how to save your identity for theft or fraud, and how to make your identity bulletproof. Merrill Chandler talks about the fundable credit identity and takes a deep dive into the power of your identity over your funding approvals. Learn all abou...

Take a deep dive into a whole new paradigm shift in this episode where host Merrill Chandler talks about the untold price that you pay for being un-fundable. Merrill explains the ways you could be un-fundable and the literal cost it brings to your pocketbook and dreams. As he offers his definition of success and presents an example on the importance of knowing when priorities may change, he also c...

You may think that credit repair is necessary for your tarnished credit profile, but it is not always the case. In this episode, Merrill Chandler explains why credit repair is not a promising option to make for your credit profile. He reviews some details to watch out for and how to protect yourself from them. Going to the better option, Merrill sheds light on fundability optimization and what it...

When we don’t know the rules of the game, we’re bound to step on landmines and make fatal funding mistakes. On today’s show, Merrill Chandler discusses the eight most common and fatal funding mistakes that real estate investors and business owners make and don’t even know they’re doing. Get in the know of what these are so you can avoid stepping on landmines, stop failing, and work on building a f...

In life, so many people presume to know something that is absolutely false. The same goes for credit. In this episode, host Merrill Chandler talks about the most prevalent credit myths that plague our entire society. He takes a deep dive into seventeen of these myths so that you understand why it’s a myth and how you can create your fundability by believing the truth.

In Aesop’s fable, the golden goose lays the golden eggs. However, the vast majority of us have spent most of our time cooking the goose. This metaphor applies to your personal credit profile and how lenders measure it to see how you treat other people’s money. In today’s show, Merrill Chandler and Brad Burnett talk about how optimizing your personal credit profile to fit business lender guidelines...

There are innumerable ways you can fill out an application that actually tells a lender, “Don’t lend to me.” In this episode, Merrill Chandler and Brad Burnett talk about how to clone your business so that it fits underwriter guidelines. Underwriter guidelines are designed to prove that you’ve filled out your application correctly, that you shaped your business correctly, and that you are in align...

Underwriters are there to protect the bank’s money, but they’re also there to make the bank money. Lenders usually talk to underwriters for help with the loan approval process. In this episode, host Merrill Chandler and guest co-host Brad Burnett talk about the underwriting process. As they dive into the difference between manual underwriting systems and automatic underwriting systems, they get in...

Credit repair was a strange concept many years ago. Back in ’92, it was still a Wild Wild West and people were getting ripped off and taken advantage of. In this very first episode, Guest Co-Host Brad Burnett sits down with Are You F*able host Merrill Chandler and go through the origin story of how Merrill got into credit repair and into becoming the CEO and Chief Strategist at CreditSense , a com...