An Introduction to the CreditGeni.us

An expose' on Credit Scoring, Reports, Debt Collection and the CFPB

My name is John Mackey, and I have extensive experience in credit, credit restoration, credit scoring, and debt collection in the United States. As the founder of CreditGeni.us, Master Credit Solutions, US Credit Project, and Give Me Credit Media, I have spent decades educating individuals on the complexities of the credit system and financial literacy.

My career began in 1988, as a realtor, broker, mortgage banker, loan officer, and credit educator.

My work focuses on demystifying credit scoring, proper debt collection practices, and financial habits that lead to long-term success, and my opinions how the credit reporting system should change. Have you had a chance to read the book

I am a Vietnam War-era U.S. Army veteran and a graduate of the University of Minnesota – Minneapolis.

I am an author, speaker, and educator who frequently addresses audiences on credit system complexities, the impact of debt collection, and financial empowerment. My mission is to clarify misconceptions about credit and provide people with truthful, actionable insights that can improve their financial well-being.

This Sub stack will include:

Q&A Columns (answering reader credit questions)
Exclusive Deep Dives (premium content for subscribers)

· Challenge letters

· Full training on Credit Scoring and credit reporting

· Debt collection Defense

Personal Stories (your experiences with credit & debt)
Guest Features (interviews with industry experts)

Here are some of the content I want to address:

1. Breaking Down FICO 10T and Trended Data

• How FICO 10T is changing credit scoring

• Why trended data matters more than ever

• Strategies to improve your score under the new model

2. The History of Credit and Credit Reporting

• How credit reporting evolved from the early days to today

• The real reasons why the credit bureaus exist

• Major credit reporting scandals and their impact

3. Credit Scoring Myths & Truths

• The biggest lies about credit you’ve been told

• Why paying off collections doesn’t always boost your score

• The difference between FICO scores and VantageScores

4. The Credit Card Addiction Trap

• Why credit card companies want you in debt forever

• How to escape the cycle of minimum payments

• Real stories of people who broke free from credit addiction

5. The Power of Credit Utilization & Debt Strategies

• Why keeping your utilization low is key

• The best ways to manage personal loans

• How to use credit responsibly without hurting your score

6. Exponential Growth & Delayed Gratification in Credit

• The "doubling a penny for 31 days" mindset for financial success

• How small, smart financial moves can lead to massive wealth

• Building long-term financial habits that pay off

7. Behind the Scenes of the Debt Collection Industry

· Statute of limitations

· The shady tactics debt collectors use & how to fight back

· Your rights under the Fair Debt Collection Practices Act

· How to negotiate settlements like a pro

8. How to Establish Credit the Right Way

• Step-by-step guide for students & young adults

• The best starter credit cards & accounts

• How to build credit without going into debt

9. Real Stories of Credit Wins & Credit Disasters

• Case studies of people rebuilding their credit

• Lessons learned from major credit mistakes

• How a good score can change your life

10. Current Events & Credit Industry Updates

• Breaking news on credit bureau changes

• New laws and regulations affecting credit scores

• The latest credit card offers & scams to watch out for

The first topic we are going to go over will be the Consumer Financial Protection Bureau and its demise – Defunding the Police.