HeyJaredJohn A Mackey CreditGenius
John 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.
- Indexed issues, last 90 days
- 19
- Latest publication
- Sep 29, 2026
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- Aug 31, 2026
Latest issues
GMC Podcast Season 2 Part 3 - FICO 10T and Financial Surveillance: Richard Vague Examines the Future of Credit Scoring (opens the original)
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In Part Two of this Give Me Credit podcast conversation, hosts J.S. Whaldo and John Mackey continue their interview with Richard Vague, former Director of Banking and Securities for the Commonwealth of Pennsylvania.The discussion focuses on the changing world of credit scoring and lending ethics. Traditional credit scores provide a snapshot of a consumer’s credit history at one moment. Newer models, including FICO 10T, use trended credit data to examine how a person manages debt over time
Incognito's News-Mortgage Rates Rise, Debt Grows, and AI Comes for Collections and An Analysis From Richard Vague (opens the original)
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Why Germany’s Economy Is Struggling: Richard Vague ExplainsThe former Director of Banking and Securities for Pennsylvania examines Germany’s manufacturing slowdown, high energy costs, and pressure on households.Germany built much of its wealth by making cars and other products and selling them around the world. But that business model is under pressure. In this analysis from Richard Vague, the former Director of Banking and Securities for Pennsylvania, Germany’s economy faces higher energy costs
Incognito Podcast The Invisible Scorekeepers: What Credit Bureaus Won't Tell You About Your Data (opens the original)
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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 creditors voluntarily provide information about how you manage debt. In many cases, they must pay fees and meet strict requirements to participate.In this episode of Incognito, we expose the complicated system working behind your credit score. We explain Metro 2, th
The Pay-to-Play Credit System: Unmasking the Hidden Fees Banks Pay to Track Your Debt (opens the original)
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Your Credit Report Is Not a Public RecordMost 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 updates itself in the background.That is not how the credit reporting system works. Equifax, Experian, and TransUnion are private companies. Creditors do not simply drop information into a free government database. A bank, credit union, debt collector, auto lender
INCOGNITO - They Shoot Horses, Don’t They? Credit Reports Just Give You a 9. (opens the original)
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