I don’t sell dreams. I expose the nightmare — and torch the liars who profit from it.
I’m John Mackey. FICO certified. Mortgage veteran. Credit system insider turned whistleblower. I’ve been knee-deep in this game since 1988 — and let me tell you, it’s not broken. It’s built this way. On purpose.
And now? Everyone with a ring light and an app thinks they’re a credit expert.
TikTok is flooded with so-called “credit hacks” from twenty-somethings who’ve never seen a real credit file, never dealt with a debt collector, and couldn’t explain the difference between a FICO 8 and FICO 10T if their lives depended on it.
These fraudsters aren’t here to educate you. They’re here to monetize your confusion — pushing “rapid results,” shady CPNs, recycled dispute letters, and generic templates they downloaded off Google Drive.
And then there are the credit repair hustlers — the ones who promise a 750 score in 30 days, charge $150 a month to “sweep” your file, and vanish when you get sued over a junk debt. They don’t care about your future. They care about your wallet.
Let me make this plain: Credit repair is an unregulated Wild West — and too many people are getting played.
I’ve lived through it. I’ve fought the system — not from a script, but from experience. I don’t deal in fairy tales.
I deal in facts.
I don’t offer secrets.
I show receipts.
This isn’t some feel-good influencer zone. This is where we dismantle the lies, burn the myths to the ground, and rebuild your understanding from the ground up — based on how credit actually works, not how social media pretends it does.
If you’re tired of being misled, sold out, and labeled “subprime” for profit — stick around.
This is financial literacy with a flamethrower.
No filters. No fairy dust. Just truth that scorches.
Credit truth. No filters. No fear.
💥 Ready to stop getting played? Hit subscribe, join the rebellion, and let’s dismantle the myths — one lie at a time.
🔥 For the Ones Who Want the Whole Playbook:
Free gets you the wake-up call. Paid gets you the war plan. Deep dives, behind-the-scenes breakdowns, FICO model autopsies, and the strategies they hope you never learn.
💰 Join the paid tier if you’re done playing defense — and ready to flip the script.
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