Sitemap - 2025 - John A Mackey

The Credit Card: A Trojan Horse for the Surveillance Age?

The Skeleton Key: How a Nine-Digit Number Took Control

Plastic Promises: How Credit Cards Became the Backbone of Surveillance Capitalism

The Dismantling of a Watchdog

Gossip, Rent, and Credit Scores: Welcome to the Surveillance Neighborhood

How Character Became Credit: The Nosey Origins of Credit Reporting

From Handshake to Hard Inquiry

The Digital Credit Economy: A Quiet Revolution in Surveillance and Spending

CFPB Retreats on Predatory Lender

Predatory Loans, Repossessed Cars, and the Regulator That Gave Up

Big Brother in Your Wallet - Part 1

Your 700 Credit Score Is Robbing You Blind

Trapped in the Paycheck-to-Paycheck Cycle?

Who Cut the Credit Cheese? (Podcast Episode)

Who Cut the Credit Cheese?

Pod Cast - How Credit Scoring Works

Inside the Mind of an 850: What It Really Takes to Hit the Perfect Credit Score

Juneteenth Drop: Financial Freedom Files

Swiped: The Hidden Cost of Convenience

The CFPB Under Attack - No Surrender

reposted: The CFPB Under Fire: Why Consumer Protection Matters Now More Than Ever

Behind the Swipe: A System of Surveillance Through Spending

Student Loans Are Back—and They’re Taking Credit Scores Down With Them

Swipe, Scan, Surveil: How Shopping Became Spying

Swipe, Tap, Done: How Credit Cards Power the Payment Ecosystem

Fixing the credit reporting system - a podcast

Why It's So Hard to Buy a Home Today

Credit Scoring Questions Answered

Credit Scores 101: What Every Student Needs to Know

How Credit Scoring Works – Class 6 - Mastering Credit: The Truth Behind the Numbers

When Debt Collectors Pushed Too Far

Defunding the Watchdogs: The CFPB Just Backed Down

How Credit Scoring Really Works: Breaking Down the FICO Formula

Your Credit Score Has Trust Issues

Class 4 - Building Blocks of Your Credit Score

Credit Utilization: The 30% That Can Make or Break Your Score

TransUnion Owes You Money: Here’s How to Get It

Class 3 - This Isn’t High School: A 650 Credit Score Doesn’t Mean You Failed

Applied for Credit and Got Denied, Checked My Score and Nearly Died

Welcome to the Inner Circle: How Credit Scoring Really Works - Class 2

1 in 5 Borrowers Are Drowning in Student Loan Debt Again

Welcome to the Inner Circle: How Credit Scoring Really Works

Our Eyes Wide Shut

The Dirty Truth About Paying Off Collections

Think a Charge-Off Means You’re Off the Hook? Think Again

Why Humans Have to Wipe… and Why You Need to Clean Up Your Credit

Credit Clowns & TikTok Cons: The Truth They Won’t Tell You

What Doesn’t Touch Your FICO Score

Welcome to the Data Economy: Where Every Click Is Currency

Big Brother’s Got a Credit Card—and Your Data

You Can’t Febreze Your Credit

The Truth About Credit Scores: They Didn’t Start in 1989

The Credit Bureau Cartel: Why Going to Experian for a Credit Card Is Like Buying Your Meds From a Drug Dealer

3 REAL Ways to Invest in Yourself (That Actually Make You Richer)

Behind the Curtain: What Credit Bureaus Don’t Want You to Know

Credit Power: A Smart Start for Young Adults

Consumer Watchdog Muzzled: How the Trump-Era CFPB Left Americans Defenseless

John Mackey - The Credit Crusader

Why Every Adult Needs a Credit Education

As a Man Thinketh, So Goes His Credit

6 Pressing Needs in the Credit System

Join my new subscriber chat

Pedal Toward Freedom: One Mile, One Step, One Score at a Time

Credit Repair Lies, Real Talk, and a Baseball Story

GET UP: Reclaim Your Power. Rewrite Your Story

How Credit One Bank Made Billions Off People With Bad Credit

CREDIT IS NOT JUST A SCORE

Scared of Your Credit Score? Good. That Means You’re Ready to Own It

Game On: Outsmarting the Credit System

Judge Halts Trump-Appointed Push to Dismantle CFPB

How Divorce Affects Your Credit Score and What You Can Do About It

How Wall Street Bought Your Neighbor’s House

Millions of Borrowers Face Credit Score Hits as Student Loan Delinquencies Resurface

Truth > Trends: The Real Talk on Credit Education

Installments at Checkout: The CFPB’s Insight into BNPL Programs

CFPB Fines OneMain Financial $20 Million for Deceptive Lending Practices

They Are Eating the Dogs

How Interest Rate Caps Could Trigger Credit Score Drops—Here’s What to Know

Credit Revival: A DIY Blueprint for Financial Freedom

Fixing Credit: 6 Essential Reforms to Modernize the Credit Reporting System

Mounting Bills, Fading Security: The Debt Trap for Older Adults in America

Fixing the Broken Credit Reporting System

Credit Unfiltered: Join Me for Real-World Credit, FICO & Debt Collection Strategies

The Slow Boil

The CFPB Under Fire: Why Consumer Protection Matters Now More Than Ever

The CFPB Under Fire: Why Consumer Protection Matters Now More Than Ever

Defunding the Police...

An Introduction to the CreditGeni.us