Ever pondered the intricacies of credit scoring and its impact on business financing? This is crucial for entrepreneurs and business owners alike. Merrill Chandler brings David Smith, a Key Account Partner and Small Business Segment Leader with FICO, to give some updates from FICO World 2024. They discuss the layers of credit scoring and…

  You’re in for a sweet treat with today’s guest. In this episode, we’ve got tax hacks for your business. The father-daughter combo, Byron McBroom and Melanie Sikma, talk about why you should stop giving the IRS money they don’t deserve. They also discuss how investors can capitalize on depreciation and cost segregation. Byron and…

  Thriving in the future demands a game plan, and FinCEN reporting is the playbook. Today, our special guest Bob Bluhm will talk about the FinCEN reporting playbook and why it is important to protect your assets. Bob presents “The 2024 Game Plan,” a guide to navigating the real estate market, where he provides thorough…

  Don’t miss out on the opportunity to build wealth through real estate in 2024. Instead of being uncertain like others, adopt a multidimensional strategy that transforms current investments into future successes. In this episode, Jason Hartman reveals a top-down real estate investing forecast for the year 2024. Discover how the global mindset and the…

      Even though many people dabble in the world of investing, Chris Miles has chosen to go down the road less traveled. In this episode, he joins Merrill Chandler to discuss his journey from financial advisor to anti-investor. He explains how to get out of real estate, focus less on your credit score, and abandon…

  They say the only thing that never changes is change itself. And that seems to be the truth and the whole truth when it comes to real estate. To thrive in this industry, you need to learn how to pivot with the times. Joining us in this conversation to show us the way is…

  You don’t have to continue living deal to deal. It is time to end the cycle, step into this episode, and enjoy the advantages of strategic planning. Today, David Richter, the founder and owner of Simple CFO Solutions, discusses how to set us up as a priority to build a quality of life without…

  There are tools to help you grow financially. In fact, this episode’s guest has four of them! Today, we unlock the gates to financial growth with Dan Thompson, the author of The 4 Keys to Building Wealth. He brings us one of those keys, particularly on how to leverage life insurance policies. Opening the windows, Dan…

  Your financial future is shaped by the decisions you make today, and understanding the hidden factors behind lending can be the key to unlocking your financial potential. Join us for an electrifying episode recorded live at FICO World 2023, where we dive deep into the world of credit, lending, and financial optimization. Our special…

  Do you know what a rolling charge-off is? In this episode, Merrill Chandler defines the term and how it can affect your finances, especially your credit profile. Understand how missing a due payment can escalate your financial issues by tuning in. Plus, get practical tips with real world examples from Merrill. Stay tuned! —…

  What is the truth about declaring bankruptcy? In today’s episode, Merrill Chandler defines bankruptcy and walks you through how, why, and when it happens. It doesn’t end there. Merrill also shares how bankruptcies impact your future transactions and what you can do to maintain a positive relationship with your lenders. Get your dose of…

  Nowadays, people would often splurge on what item is on trend. It could be the newest phones, gaming consoles, sought after skills trainings, etc. However, due to the lack of funds in their wallet, they cannot purchase some pricey items. Then come special sales and different payment methods, one being the overly-hyped “Buy Now,…

  Do you have a credit card that you use for shopping? Are your needs and wants to pile up, and you also want to increase your credit card limit? Listen to your host Merrill Chandler as he explains why certain credit cards will never get a limit increase. You don’t just get that quickly…

  Credit scores determine the borrowers’ access to money from lenders. Low credit does affect your chances of getting lenders to borrow you the money, but having bad credit is not the end. Doing your due diligence and seeking help from accredited credit repair companies will help you build your credit. Today, Flame Newton discusses how you…

  The real estate industry can be sometimes fickle. Making that first deal can be a very daunting task that one needs to overcome to get their drive on. Today, Merrill Chandler interviews real estate investors Jen Conkey and Stacy Conkey about their diverse real estate experiences and strategies to identify deals and make offers. With over a decade-long…

  If you could read the minds of bankers, would you? Fortunately, you don’t need to summon psychic abilities for this one. Merrill Chandler sits down with a former Tier 4 banker turned business owner, Brandon Bailey, to share with us what goes on inside of the bank between bankers and underwriters. Brandon reveals some…

  Many would set a goal and wonder, “Hey! I’ve been setting this goal, and still, why couldn’t I make it?” In this episode, Becky Nova, the Founder of Lady Landlords, talks about how she’s helping women reach their financial freedom. She shares the strategies she used to optimize her time and explains how Lady…

  Small business owners are the backbone of the economy. They create jobs, spur innovation, and help drive economic growth. However, they often face significant challenges in accessing the capital they need to start or grow their businesses. In this episode, David Smith, a Senior Originations Consultant with FICO, sits with Merrill Chandler to talk…

  Your mistakes don’t define you. In fact, they are essential for self-discovery and success. They teach you a lot and help you grow. Having seen the bottom and climbed her way back up, Melissa Houston shares how she concealed $100k in personal debt from her husband, and bounced back both personally and financially. Now…

  What does it take to build a team of pure genius? In this episode, we learn that it’s all about achieving harmony from the different skillsets that each person in it has. Merrill couldn’t have picked a better person to talk about this. In celebration of Women’s History Month, our host brings in his…

  Becoming fundable often hinges on a single factor that affects your ability to get a loan. Now, getting funds depends on your secret consumer score. And just what is that? Merrill Chandler delves into consumer scores and how they affect you. He looks at secret consumer scores, how they work, and how you can…

  Manifesting opportunities and success is a big part of progress. Setting your goals is the first part of achieving them. In this episode, Merrill Chandler learns about manifesting your goals with Monick Halm, the Founder of Real Estate Investor Goddesses. Monick shares how she started her path towards success via real estate, her way…

  As a business owner or a simple professional, you want to minimize cost in any way possible. You also want to accumulate rewards with every expense. That’s why credit offers that are way too beautiful would sound great. But, you have to be careful. Not everything is real. How do lenders catfish you into…

  How can you succeed with your creative and analytic sides as a woman? Merrill Chandler sits with Sarah Sullivan, the CEO of SuGo Capital – a company that offers you financial freedom through real estate investing. Sarah shares her journey going through MBA, circus school, corporate, and real estate. The key to succeeding? Learn…

  How important is having insurance? Are you aware of the benefits it could give you and your family? What are universal life policies or indexed universal life policies? In this episode we will give you the knowledge you need to have about it. IUL actually has two facets: cash value and death benefit. Learning…

  If your business name is Real Estate Property Resources, LLC, you are immediately not fundable at all. Business names and, more importantly, business codes are very crucial when it comes to fundability™. Join Merrill Chandler as he talks about having the right business name for your company. Remember, words drive the business codes. The…

  It’s that time to forecast another fundable year this 2022. Everyone talks about their ‘why’ as motivation, but what about their Z? What is the endgame? How do you know you’ve succeeded? In this episode, Merrill Chandler shares his Z300 method to help you stay on track with your goals both in finances and…

  The aftereffects of COVID on the economy are still lingering and will stay for who knows how long. What is the value of fundability™ at a time like this? Merrill Chandler is here to break down what’s really going in the economy. Is it inflation? Or is it just a scarcity of resources that…

  If you’re not a savvy, educated or strategic borrower, watch out. The slew of credit products disguised to not even look like credit products are unbelievable. On today’s show, Merrill Chandler does a deep dive into these consumer trends and shares some ways on how to fix them. It pays to be better informed…

  There are three major credit card benefits: cashback, air miles, and points. What if you were to discover neat credit card travel hacks? Merrill Chandler’s guest in this episode is Owen Beiny, the Founder of The Points Partner. Owen’s objective is to help anyone in America fly for free using points and miles. The…

Do you know there’s a hidden cost of doing business? In this solo episode, Host Merrill Chandler gives entrepreneurs a heads-up on merchant fees you have to watch out for when using credit cards as payment gateways. The sales reps, MasterCard, American Express, credit card issuer and all the other people involved charge fees you…

We all want to achieve a fulfilling life with meaning and purpose. However, we tend to talk ourselves out of it and self-sabotage. What can we do to make progress in our lives? Join our host Merrill Chandler as he talks about staying committed to our goals while still being gentle with ourselves in the…

  Want to learn more about home equity lines of credit? You’ve come to the right place! In this episode of Get Fundable, Merrill Chandler explains what HELOC is and reveals just how it impacts your fundability™. He breaks it down the concept and the rules you need to follow to make the most of…

  Debt consolidation is scary and deceptive if you don’t know what you’re doing. Do not get into something that you know nothing about. That is how they get you. They will trash your credit profile before you know it. Join your host Merrill Chandler as he discusses the dangers of getting in touch with…

  We all want to live life to the fullest and experience the joys of everything from our financial freedom to family life to friends and everything in between. So how do we create a life we have always dreamed of and become better versions of ourselves? In this episode, Merrill Chandler provides analogies to…

  You need to get the mindset that being part of the 1% is unachievable, out of your head. That 1% is not people; it’s strategies and borrowing behaviors. How can you increase that 1% to 2% or even 10%? It’s possible with the right behaviors. Money is unlimited, anyone can become a millionaire and…

  We are seeing a surge in new credit card trends across the US. These trends are interesting ways at getting fundable, and it’s time we took a look at them. In this episode, Merrill Chandler looks at these 5 new trends and gives a quick analysis of each. We find out what sectors are…

  Today, Merrill Chandler goes back to the basics and teaches us how to leverage other people’s money to reach our goals. Learn why building a relationship of trust is important for OPM and money lending. Discover the different forms of OPM and know how to build a reputation so that you can get a…

  As neo banks continue to dominate the industry, mainly because of the pandemic, digital banking interactions have become commonplace. This begs the question: do cryptocurrency and fundability™ go well together? Merrill Chandler breaks down how to maximize this digital currency as more and more banks embrace online interactions. He also explains how this impacts…

  The government is finally adopting fundability™ principles! President Biden is looking to update the economic investment act and touch the rules of fundability™. This will encourage lenders to put more money by lending to credit invisibles. Join your host Merrill Chandler and learn why this is good for the economy. By doing this, more…

  The pandemic has changed a lot in the world—the banking system is one as people transition to going online instead of going to bank branches. How do banks reward borrowers and depositors for positive borrower behaviors? Merrill Chandler explores going digital to make everything easier, faster, and better with the personalized banking experience. He…

  Are big banking shifts about to come to Wells Fargo? Is their abandoning borrowers a taste of things to come? In this episode, Merrill Chandler analyzes Wells Fargo’s decision to end their line of personal credit instruments. He also takes a look at a few other things that may change in their policies. Learn…

  Spam and junk mail are a serious concern. Many of these also pose a security risk and can endanger your chances of becoming fundable. In this episode, Merrill Chandler talks about junk mail and how to get rid of them. Merrill presents several examples of junk mail and describes the scams that are often…

  ITINs, CPNs, and SSNs may look incomprehensible, but they form a unique look at your fundability™. In this episode, Merrill Chandler digs deep into these identification numbers and gives us the lowdown on what they mean. We look at SSNs and analyze the meaning of these numbers. Merrill gives us the score on CPNs…

  Did you know that Amazon, Apple, and Venmo destroy your personal fundability™ via “credit cards?” With low fundability™, you’ll find it difficult to get capital for your real estate projects. Today, Merrill Chandler exposes how these big retailers hide the specifics in fine print. To avoid stepping on funding landmines, you need to know…

  People often get trapped into recurrent payments for credit monitoring services. But how is that actually helping and serving them? Merrill Chandler debunks some perceptions surrounding credit monitoring services. He explains when and how you should be acquiring these services to most benefit you and your finances. Most importantly, he shares where you should…

    Isn’t it time to move past the term “consumer”? In fact, maybe it’s time to elevate yourself and become the perfect borrower? In this episode, our host Merrill Chandler tackles the term “consumer” and proposes that we elevate ourselves and become borrowers. And not just borrowers, but perfect borrowers. Merrill fleshes out why…

  Advertising is deceptive and marketers are ruining your credit if you don’t know the truth behind how credit works. In this episode, Merrill Chandler discusses how you should never respond to credit card offers unless they’re tier-one, tier-two, and tier-three types of credit cards. We don’t want finance company rates. In fact, if it…

  You will be twice as happy doing what you love. But sometimes, you just have to put your passions on hold because it could be holding you back. Then once you earn enough money doing something like real estate, you can go back to your passion or dream job. That is the story of…

  Are you aware of credit myths that people continue to believe in? These myths have been passed along, some for generations, and they can cause big trouble to anyone who owns a credit card. As a preview of his new series, where he plans to take on all credit card misinterpretations, Merrill Chandler debunks…

  The three-digit credit score determines our capacity to pay for a loan, but it sadly evolved as the standard for financial self-worth over time. Merrill Chandler aims to get rid of this unhealthy perspective and invites everyone to embrace the paradigm of fundability™. He explains why these numbers must not feed our ego or…

  Stop gaming the system! Learn how to work within it not unless you want to share the same fate as Seed Capital. Merrill Chandler shares the cautionary tale of Seed Capital and their sketchy business practices. Find out who they are and what they did to get the FTC to file a lawsuit against…

  Do you want to buy your own house for your family? Do you want to buy some property in order to start a business? Before you think about doing that, you need to understand what mortgages are first. Welcome to your online classroom and get ready to learn all about mortgages with your host,…

  Have you ever wondered what the different logos on your credit card mean? Stick around as Merrill Chandler explains why there is a lot more going on about this than just an excessive love for brand graphics. In this short episode, Merrill breaks down how co-branded credit cards work, what different credit card processors…

  Many business owners want to scale their business, but they’re unwilling to put in the effort required. Your current business is exactly the business you want because it’s a reflection of who you are. Merrill Chandler discusses with his coach Gerritt Bake how interpersonal value equals enterprise value. Gerritt Bake is a strategic planning…

  Debt is such a scary concept for most of us. After all, who would want to be living working to pay off something? But Merrill Chandler is here to help us overcome this overwhelming word and rethink what debt is to us, especially when planning for the future. In this episode, he discusses the…

    It’s tax season and you need to be extra careful these days because tax scammers are not just on the loose, they’re also into the long game! What does this exactly mean? This episode goes deep into phishing and how it happens in the context of tax and credit. Join Merrill Chandler as…

    The most important business lessons are found during the most unexpected time. For Merrill Chandler, he found an inspiring message in one exciting yet chilling snowmobiling trip. He shares how getting stranded in a snowy ravine within the mountainous areas of West Yellowstone taught him to avoid overconfidence and overestimating his skills. He…

    If sudden misfortune were to happen to you today, will your family and business survive? In this episode, Eric Dunavant explains the importance of operating with certainty to better secure your chances of long-term success. Eric is the President at Paradiem, whose mission is to empower families and businesses to live a better story by being more…

  Learn how to boost your fundability™ as Merrill Chandler reveals the top secret strategy that he only teaches his most successful clients! In this episode, he takes us into the world of fundable savings plans, where he helps us save money, become more fundable, and prepare for future possibilities, vacations, and/or disasters. Merrill dives…

  Using your instinct can save your life, whether you’re in a literal war zone or in a quest to be fundable. In this episode, Merrill Chandler shares a near-death experience he had in the battle-torn state of Chiapas, Mexico. This real yet surreal experience shows how listening to intuition literally saved Merrill and his…

  Continuing his campaign on equality at every level, President Joe Biden’s administration has proposed creating a new credit bureau under the Consumer Financial Protection Bureau. This resulted in many speculative headlines that the government may be replacing existing credit bureaus, making a lot of people confused with the future of loans if such a…

  Making your business more profitable and exiting rich is easier said than done. Today’s guest is Michelle Seiler Tucker, the Founder and CEO of Seiler Tucker Inc., and she is joining Merrill Chandler to share her 6 ‘P’ Methods that will help you sell your business for a huge profit: people, product, process, proprietary,…

  Are you a struggling entrepreneur who can’t find that missing key to your success? Perhaps one of those will be discussed in this episode! Pam Jordan is a no-nonsense financial expert and a speaker who manages over a billion dollars for entrepreneurs. Today, Pam joins Merrill Chandler to share seven simple strategies you can…

  More people complain about debt collection agencies than any other single industry. Why? Because disreputable collection agencies resort to exploitation, harassment, and deception to get you to pay what you may or may not owe. How can you defend yourself against such exploitative tactics? Today’s guest, Nick Alfano, a former owner of 23 debt…

When you think about winning, how many times in our lives do we take the normal and regular definition of winning and just go with it? How many of us have limiting beliefs that literally define what a win is? On today’s podcast, Merrill Chandler shares a recent experience where he took an exercise with other CEOs about…

  Many entrepreneurs get too caught up in the systems and processes of the business that they tend to forget the mental side of it. However, as William Lam believes, your business will only be as unlocked as your mind is. It will not live up to its full potential until your mind begins to get there….

  There has never been a more challenging time than now, in our current pandemic, for people with their financials. With so many individuals who are out of jobs, financial stress has become more evident than ever. Helping you not only get out of that ditch, but also recover with a soft landing, Merrill Chandler…

  Capital is a hard thing to get when you’re trying to fund your business, even more so for people in the black community as well as those who don’t have a network of wealthy people around them. Addressing this issue, Solomon RC Ali—a self-made multi-millionaire, Private Equity Investor, and Tech and Energy CEO and…

  Who could have known that auto drafts can be a bit tricky, even for a credit expert? Merrill Chandler shares his harrowing experience of encountering a late (and seemingly phantom) payment for his own auto lease, getting in a bit of a predicament with his car dealer. He shares his takeaways on this situation,…

  Putting trust in another person is truly an admirable thing to do. But by taking it for granted, toxic trust may eventually develop, causing selfish tendencies that actually hinder actual connections with others. Instead of putting ourselves in their shoes, we just impose our attitude and values onto them. Merrill Chandler discusses the four…

  2020 has been a challenging and depressing year for most people. With all the losses and failures, 2021 is being set as a brand new stage for leveling up. Merrill Chandler invites everyone to end the year on a high note and push the boundaries around us, especially those imposed upon our motivation and…

  We’ve all heard of the terms “quality of life” and “standard of living” get thrown around. Sometimes, without knowing it, we sell ourselves short, thinking one is more important than the other. In this episode, Merrill Chandler takes a look at both of these and reveals why we are selling our soul to one…

  This year is nearing its end and whether you’ve been rocking it or not, next year is going to be an amazing opportunity to bounce back or bound even further. How healthy is your business now? Are you ready for the new year? Merrill Chandler takes the time to share some simple things that…

  Part of our human nature is we tend to convert a gift and make it an entitlement. When we keep receiving a gift and have come to expect it, we get disappointed or even demonstrate aggressive behavior when those expectations are not met. We become petulant and angry when we don’t get our way….

  Obtaining a business credit card is a much more tedious process than what people may think. Without knowing it, you may have already stepped on multiple landmines that will ruin your chance of getting one. And even if you already have one, there is a probability that you have the wrong one. In this…

  The world is moving fast, and if you don’t catch up with it, you’ll end up naturally falling behind! It’s the exact same way with fundability™…you have to stay up to date with what is going on because—without realizing it—you might be following strategies and relying on information that doesn’t work anymore. In this…

  Even the best people in the business need some help to get their processes right and make sure they are not losing. Merrill Chandler also has his own magic maker, someone who has helped him in more ways than one to do everything right and efficiently. In this episode, he brings over to the…

  This year seemed to be so long that would you believe we are now nearing the end of 2020? Before it catches up to us, start preparing the right things to make sure you’re making fundable decisions that will protect your fundability in the years to come. To help you with that, Merrill Chandler…

  Student loans are designed to help students pay for post-secondary education and other associated fees. It can come from the federal government, private sources such as a financial institution, a bank, etc. Below, Merrill Chandler shares how student loans contribute to not only your fundability™, but your installment loan portfolio and entire borrower profile…

  Have you received an email from FICO about its black market website surveillance service? What does it mean? Should you be worried about someone in the dark net using your identity to set up fraudulent accounts or transactions? You shouldn’t have to, if you know how to set your PBID properly, that is. Merrill…

  What do banking relationships and romantic relationships have in common? You’d be surprised to know how being fundable is, in a lot of ways, being dateable. Join Merrill Chandler as he finally gets into a full discussion of a metaphor that he has been using over the years. From checking out prospects, to dating…

  In the world of fraudulent applications and stolen identities, one of the things that the credit bureaus and lenders have put into place is a security freeze. It’s when they put a freeze on your credit profile if there’s been some fraudulent activity or somebody opened an account in your name. In this episode,…

  There is no shortage of financial literacy resources out there, but do they really teach you what you need to know if you’re looking to get fundable as a borrower, especially in these tough times? In this episode, you’ll find out that there is a vast difference between what we consider to be financial…

  Getting a loan from a bank? You might want to look at their UCC lien policy first. What is a UCC lien and how does it affect your fundability™? In this episode, Merrill Chandler takes a deep dive into the definition of UCC liens, how they can destroy your chances of being fundable and…

  We all have a creative side and a strategic side, and most of us tend to veer towards one or the other. To really succeed, however is to get in that place of genius, and genius all about being a creative strategist. What is a creative strategist, exactly? In this 100th episode of the Get…

  As we move through the stages of growth, we sometimes fall into the shiny objects trap. We chase the shiniest thing in front of us that we forget about where we want to go in the first place. If you are ready to take borrowing to the next level, then you better learn how…

  There is a new lender playbook that is radically different than any other recession or depression in the past – a new financial data that is completely opposite of what has ever existed in the past. In fact, there are attitudes being expressed by lenders and by borrowers that have never existed before at…

  Getting a mortgage is painstaking work, but with the right broker at your side, things can be made so much easier. Today’s guest explains why it is essential to ask your mortgage broker some brutally honest questions so that you can work towards a win-win setup. Joining Merrill Chandler on the podcast is Jennifer Hammond,…

  When you get onboard into a marital relationship with someone, it only makes sense to have joint accounts, right? Wrong. As it turns out, there is absolutely no reason for a joint account, especially around revolving credit, and having one can cause you serious problems in the future. In this episode, Merrill Chandler talks…

  It is so easy to think about freedom in the context of being able to do whatever we want. However, it is so much more than that. Merrill Chandler breaks the truth to us about what it takes to create freedom, particularly the freedom to masterfully create anything you want. He goes philosophical and…

  One area for concern when trying to improve your credit score is a mortgage late report from your lenders. In this episode, Merrill Chandler has you covered on how a 30-day mortgage late will affect you. How does it affect the score? How long does it take to recoup? Merrill gets into those questions…

  The so-called “new normal” (in the wake of the COVID-19 pandemic) is hotly-debated among people all over the world. Naturally, people have varying visions of how we should recover and recuperate. Still, the main sentiment that runs through all these opposing ideologies is that we have to move forward in some way or another….

  Most business owners are of the belief that whatever goes on in their business should stay under wraps—the only people privy to the information being within the company. But that approach has some severe drawbacks when it comes to your finances, and with the need for many small businesses to take out loans, sooner…

  One of the ways people who are new to a certain field or industry can do to become successful is to take advice from those who have been around the block and know the ropes. But where do you draw the line between taking advice and listening to the voice inside of you? Merrill…

  There is always a beautiful version of yourself. Discovering it may be a challenge but can be worth your time and effort. Merrill Chandler takes us into an emotional realization of seeing the light in these dark times. Those experiences where limitations create new and greater opportunities. In this episode, Merrill reminds us of…

  How can you improve your game as a professional borrower? The answer lies in using the right inquiries. In this episode, Merrill Chandler talks about inquiries and how they affect your score and fundability™. During this financial crisis, inquiries can also greatly affect how you run and grow your business. Merrill highlights FICO’s de-duping…

  What exactly are authorized users and how does the process work? In this episode, Merrill Chandler takes an in-depth look into the truth about them. There is so much misinformation about authorized users…especially in a personal or global financial crisis. What you do and how you interact with other people’s accounts can be a…

  A financial crisis seems to be just around the corner, but if you’ve played your cards rights up to this point, then you’re probably poised to do well instead of losing out. A financial crisis, if you’re ready for one, opens up opportunities, so you’ve always got to be ready to jump at those…

  In the world of lending, three simple words can affect your future in ways you might not realize: paid as agreed. The impact these three words can have on your fundability™ is massive, so you have to get familiar before you take any big gambles. Merrill Chandler dives into the repercussions of having the…

  Tom Hazzard is the CEO and Co-Founder of Brandcasters, Inc, a podcast empire delivering an end-to-end service that produces, publishes, and promotes podcast shows. In this episode, Tom joins Merrill Chandler to talk about industry discrimination and the SIC code mess felt by businesses like Tom’s Brandcasters, Inc. With the current global health issue, it has…

  Businesses around the world, be it big or small, are equally affected by the Coronavirus. Fortunately, there are still disaster loans available to help mitigate some of the costs that businesses still incur despite lockdowns. In this episode, Merrill Chandler is joined by Jessica Tabora, a Business Manager at CreditSense, to discuss fundability™ despite…

  With the new FICO 10 just around the corner, Merrill Chandler uses this episode as a refresher…going into the history of FICO to enumerate all of the changes that have been implemented over the years. His bootcamp will dive deep into the new world of FICO 10 to give you every tool you’ll need….

  With the Coronavirus pandemic, major banks are allowing clients to skip payments for April. In this episode, Merrill Chandler refers to one of his Facebook Lives, which consisted of a Q&A session where he was presenting the Miss-a-Month Program. When answering a concern from someone on the validity of banks allowing them to skip payments…

  Many people are on a mission to accrue as much wealth as they can secure for themselves, but they don’t realize that they should start by answering the question of how they can protect that wealth. Asset protection is often neglected in the discussion of acquiring wealth, but that has to change. Merrill Chandler…

  During a crisis, you have to be equipped to make the choices that will positively benefit you in the long run, instead of panicking in the present and running out of resources for the future. In order to make the best possible decisions for success, you must be ready for all your worst-case scenarios,…

  Smart planning is all about having an attractive and fundable credit profile already in play before any disaster. Unexpected events that reverberate throughout the world such as catastrophes or pandemics can mess up the goals you’ve set for yourself in unexpected ways, and that includes your goals for fundability™. Merill Chandler discusses smart planning…

  Let’s go behind the scenes of how Merrill Chandler helps clients with their fundability™ questions. In this episode, Merrill shares his conversation with one of the CreditSense Solutions Coaching clients where he answers a question that must also be pressing those who are building their QFE (Qualified Fundable Entity): “What do I use the…

  What is a collection account? In this episode, Merrill Chandler takes us to a deep dive into what’s the life story of a collection? What is its impact on our fundability™, our profiles, and collection accounts? How do they become a thing? How can we help them go away or cause bureaus to do…

  FICO never seizes to impress us. Today, Merrill Chandler talks about some interesting tactics and strategies that are being used by one credit bureau and by FICO to create a more inclusive credit score. The question is does that make you more fundable? Merrill gets down on UltraFICO and Experian Boost, which is offered…

  Everyone has triggers: things that push them outside their comfort zone, force them to confront something they don’t want to and make them uncomfortable. While on the surface, triggers might not seem all that helpful, each one is actually an opportunity for growth beyond yourself. Merill Chandler dives into one of the most important…

  They say that the first step of any journey is the most important and most difficult step, and the same definitely holds true for improving your fundability™. Getting started down the path of fundability™ can be tricky, but whether your personal profile is buried in bad credit or virtually non-existent, it’s never impossible. Meet…

  Scams have always been a part of history, whether it’s in business, employment, and even elections. This time, a scam involving social security to get your attention is circulating, and people must be made aware. Merrill Chandler raises awareness by spreading the news, going into detail, and breaking down the scammer’s MO. He talks…

  A lot of experts agree that the next recession is not a matter of ‘if,’ but a matter of ‘when.’ During trying times, making sure your credit profile is protected as early as possible poses no harm and allows you to reap all the benefits it has to offer. Merrill Chandler gives a subtle…

  If you’re part of Mint’s mailing list, you might have received an email that claims to help you kick off the year with a brand new credit score. Merrill Chandler is here to remind you not to fall into that landmine. In this episode, he discusses how that email is more of an advertisement rather…

  A failing credit account is absolutely bad news for your fundability™ in the long run. Just one mistake can cause your account to fall into a continuous state of degradation, accumulating points you could have avoided. Merill Chandler discusses what having a failing credit account means and how you can ultimately avoid it. Don’t…

  So you’ve hit the jackpot, found success in whatever field you’ve chosen, and are beginning to find your bliss. What now? The problems of the successful are a completely different ballgame than those you might encounter when you’re still looking for success. Merill Chandler talks about the black holes of success and dives into…

  This is the next phase after the Into the Madness series, and today, Merrill Chandler gives us another history lesson by sharing something that has been happening for this entire time.  He tells us exactly the rules as to what can and cannot be listed on our credit profile when doing an accuracy audit…

  Are you investing in fundability™ optimization for yourself? If not or your efforts seem to cut short, then this episode is especially for you! Bringing in one of Merrill Chandler’s senior advisors, the CreditSense Advisor Team 1, he sits down with Dehlila Claire. Together, they talk about some of the personal choices Dehlila has…

  The REAL ID Act has been a long time coming, and now that it is here, Merrill Chandler takes you into a deep dive into understanding the facts and fiction about it. He talks about the important things you need to know and whether it matters or not. Merrill drops right into a complete…

  We use money every day but most of us do not know its history and evolution. In this episode, Merrill Chandler talks about the origins of money and how paper money and credit has taken over the original intent for which money was designed – going through the Roman times into the medieval times,…

  In the credit and lending space, exhausting data about a client’s fundability™ is crucial. In this final installment of Into the Madness, host Merrill Chandler deep dives into credit profile, consumer disclosure, and myFICO. He takes us through the details of an Experian consumer disclosure and how it records all the salient information that is…

  Credit bureaus lose money when they give you a Consumer Disclosure. They don’t want to give you this raw data because this information is what they use to establish not just your look-back period, but the metrics that both FICO and lender software use to approve you and will give you higher or low…

  As the adage goes, there is more to something than meets the eye. The same is true when it comes to our fundability™. In this third installment of the Into the Madness series, we continue on understanding our consumer disclosures by zoning in and taking a deep dive on Equifax. Host, Merrill Chandler reviews…

  Getting access to all of your raw data files directly from the credit bureaus can be tricky; but with Merrill Chandler’s help, it doesn’t have to be. Continuing with the second part of the Into the Madness series, Merrill guides us into the process of ordering consumer disclosures. Here, he discusses how you fill…

  On today’s show, Merrill Chandler dives right into what is happening in the Get Fundable world and how people can continue to be a part of that. Explaining the need to change the name of the show from Are You F*able to Get Fundable, Merrill emphasizes his continued commitment to waking people up to…

  Credit score greatly matters in today’s financially driven world. In this episode, Merrill Chandler discusses FICO, including all three bureaus and myFICO advanced credit report. He talks about revolving utilization and the necessity to compare accounts. Merrill also clarifies to us what is serious delinquency, where one’s debt limit is based on, and how…

  There are so many factors to fundability™, so it’s appropriate that there be so many fundability™ services, or at least services related to fundability™, out there. Everybody has a different need, and different people and firms specialize in different services. Along with one of his partners at CreditSense, Jessica Guisinger Tabora, Merrill Chandler runs…

  How much money do you and your company burn paying taxes on various things year in and year out? Saving on taxes can be relatively easy—that is, if you’re working with the right strategies. Merrill Chandler discusses some techniques to help you get huge savings in taxes that will build over time. Imagine how…

  Why are you in the business that you’re in? Today, Merrill Chandler challenges us to fill our hearts with love by filling our time with our loved ones instead of the tech and gadgets all around us. This episode can act as a guide to discovering the why behind our desire to get more…

  Celebrating wins boosts your drive towards doing more good deeds for others. In this episode, Merrill Chandler takes a deeper look at some of the things that’s been happening recently in his life and how they’re impacting his fundability™. Using the journey to publish his book as an example, he talks about how to…

  The more fundable you are, the more affable you are. In this episode, Merrill Chandler is joined by business strategist Brad Burnett and real estate coach Krista Burge to discuss what it takes to be more fundable, how to maneuver and navigate revolving accounts, and many more topics related to building your credit profile. Don’t…

  Investor attitude has changed across generations. Today, Merrill Chandler proudly interviews his own daughter, Sharon Chandler, about building her credit profile. Sharon has been teaching Millennial investors like her about the right way to invest in this modern economy. Here, she shares her knowledge on credit and how to build perfect profiles from the…

  It is the holiday season, and many of us are going to be spending a little extra on gifts and other activities. Just as our pockets become vulnerable at this time of the year, our fundability™ may suffer, too. For this episode, Merrill Chandler shares the five fundability™ killers of the holidays. He goes…

  Banks and smaller businesses rely on FICO to measure our credit line with their algorithms. That is why it is important that we have some knowledge with regards to how we are being measured as it would give us an edge to have a better credit score and make us more fundable. Host Merrill…

  A lot of people are unaware of how FICO calculates credit scores. In this episode, host Merrill Chandler interviews David Smith, a FICO Liquid Credit Liaison, about how one can have a better credit score to make themselves and their business more fundable. Don’t miss this episode to discover the things that you need…

  The world of lending and borrowing is constantly changing, and thus the techniques for securing loans also evolves. Funding hacking is one of the ways through which one can stay on top of the game. Joined by the CMO and Chief Funding Officer of CreditSense, Brad Burnett, Merrill Chandler gets into the nitty-gritty of…

  Your FICO score might just be one of the most important elements of your credit application. Because so many lenders use the FICO system, it might be best for you to get acquainted in the ways you can help the system see you as a better applicant. Merrill Chandler is joined by Jessica Tabora,…

  Every employer has a fiduciary responsibility not only to their company as a whole but also to their individual team members. Part of this fiduciary responsibility is having a sense of realism about employee value within your company as opposed to the job market. Merrill Chandler makes a case for every employer’s responsibility to…

  Every time we’re online, there’s a risk of our personal information being exposed through data breaches. These breaches can get pretty nasty, hitting you where it hurts most. Merrill Chandler gets into how these more risky data breaches happen and how you can protect yourself, especially in relation to your credit application. On its…

  To potentially become more fundable and get the best rewards approval out of our credit line, we have to align ourselves with funding behaviors. We also have to keep in mind the nitty gritty in the documentations that come with it. Merrill Chandler discusses how you should go over your fine print and find…

  With some of the biggest gift-giving holidays coming up, merchant cards are back in season. These cards you get during your holiday shopping nab you discounts or free stuff, but do you know that there’s also a hidden risk to using them? As a borrower, your credit rating is one of your most valuable…

  Are you aware that gender bias is affecting lending approvals? In this episode, Tracy Hazzard, Inc. Magazine Columnist and podcast content strategist, talks about how gender bias affects women when it comes to approvals and other sector of ethical subjects. Tracy provides insights on how to change this code-based problem to make women and…

  In this episode, fundability™ expert Merrill Chandler teaches you how to order business credit reports so you can spot deal killers and red flags. Using CreditSense, LLC, follow his step-by-step guide on which options to choose, what data to input, and how much to pay for them. — Watch the episode here Listen to…

  In this modern era, people perceive financial algorithms as witchcraft because they don’t understand the first thing about it. Even the frontline lenders’ staff do not know how algorithms decide fundability™ or funding approvals. However, it’s been proven over and over again that technological advances are not necessarily evil. In this episode, Merrill Chandler…

  What can you reap from using the authorized user strategy? In this episode, Merrill Chandler and Co-Host Brad Burnett exchange insights as they answer questions related to this strategy. While the unholy trinity of credit reporting surfaces in the topic, they discuss about the organic evolution of credit from farm tabs to its formal…

  Always at the bleeding edge of the fundability™ sword, Merrill Chandler guides you away from the landmines that will blow up your credit approvals. In this episode, Merrill dives into the necessary things you need to do before submitting your business credit application. He lays down the step-by-step process on how your data points…

  Besides the 80% that FICO requires from your personal borrower profile, do you ever wonder about the other 20% they are measuring? In this episode, host Merrill Chandler dives deep into this 20% that will round up your fundability™. If your personal borrower identity is your 80%, then the 20% has to do with…

  Seeking to become a fundable business is necessary for growth. In this episode, Merrill Chandler continues disrupting your fundability™ beliefs as he talks about several funding entity strategies and the fundable entity types you need. Sharing some examples, he outlines the different strategies that you can apply, noting how different approaches depend on the size…

  Did you know that the way you fill out an application in an attempt to get a business credit card or credit line is creating the opportunity for lenders to deny you? In today’s episode, Chief Strategist Merrill Chandler talks about the mysteries in business funding and the reasons why lenders will not lend…

  Do you want to be a Rockstar borrower? In this episode, Merrill Chandler continues his discussion on installment loans. He points out that using the rules of the game can show lenders that you are a superstar borrower. Comparing traditional auto loans, he shows how choosing the right lending schemes can contribute to your…

  This is a follow up on the episode about installment loans contributing to the weightiness of your borrower profile. Today, Merrill Chandler shows how the system can support you in tripling fundability™ points for every single installment loan. Educating us on maximizing loan value, he shares insider secrets that allow such loans to blow up…

    In this day and age, everyone can be lured by fake business credit and schemes. It’s up to us to spot and identify those liars, cheaters, and thieves. In this episode, Merrill Chandler discusses the business credit equivalent to CreditKarma.com and does a deep dive into the misrepresentations of what business credit is…

  There are so many credit-related scams these days, and more and more people are getting away with it. Today, Merrill Chandler gets to the bottom of these business credit-building scams. Using Dun & Bradstreet CreditBuilder Plus as an example, Merrill helps us understand the difference between business and personal credit reporting. He also shows…

  Are you aware of business credit scams? Having a business credit does not mean that it actually is a business credit card. In this episode, Merrill Chandler discusses one of the most deceptive practices that business credit providers actually voiced upon us unsuspecting borrowers. He breaks down what business credit cards are and what…

  Your personal profile is crucial to your fundability™. In this episode, Merrill Chandler talks about how focusing on your personal profile, the goose that lays the golden egg, and optimizing it has powerful funding results on your timeline. He shares some amazing insider secrets and describes it one by one. He will show you…

  Still wondering if you are fundable? It depends on your current profile and how much work you need to put in to achieve that perfect fundability™ level. In this episode, Merrill Chandler gets animated with animal analogies to help us remember each fundability™ profile. He shares the lessons of playing by the rules and…

  Have you ever wanted something so badly that when you are close to achieving it, you feel scared and anxious for the next chain of events? This is how Merrill Chandler feels as he is about to launch his upcoming book called The New F* Word. We can all relate to that feeling of…

  Should you close your revolving account or not? This is one of the few emailed answers from the question, “What would you like to know about fundability™?” that Merrill Chandler and Brad Burnett tackles on today’s episode. As they share a way to close an account without harming your borrower profile, they also give…

  Credit makes you look good but only if you play by the rules. In this episode, Merrill Chandler guides you on how to manage your installment loans to create positive scores for your FICO. He clarifies the difference between the types of credit and tiers of financial institutions. He also exposes the truth behind…

  Having many credit cards may have its advantages, but it can be a total headache when the bill comes especially when you’ve used one card after another. In this episode, Merrill Chandler talks about reporting dates and how to pay your bills on the right period without sacrificing your fundability™. When talking about credit,…

  Building positive credit profile can oftentimes be tricky. In this episode, Merrill Chandler talks about how critical factors like utilization and aging may affect your profile. He also shares how to tell a lender that you’re a rookie borrower and how your application may be declined or approved. You will encounter some useful terms here…

  Your credit cards impact your profile either for the good or the bad. In this episode, Merrill Chandler guides us in determining where ours stand by helping us understand what is called a revolving account portfolio. He also talks about what FICO is measuring and how lenders’ software evaluates the different credit cards –…

  If you’re starting a business and looking for funding, it’s easy to be lured by the promises of Seed Capital. In this episode, Merrill Chandler exposes one of the most of the notorious credit card stackers out there. He presents a Seed Capital website review and goes through every misinformation and misrepresentations intended to…

  An aim towards positive account scoring with the maximum number of points possible for your file is a necessary goal. Merrill Chandler shows how this can be achieved by sharing the actual secret list that FICO uses to evaluate your fundability and how it corresponds with the lender underwriting software. Merrill emphasizes on the…

  New borrowers can easily be misled by lenders when it comes to using credits scores for approval. In this episode, we are going to be talking about how lenders, FICO, and the entire funding game players use credit scores to distract rookie borrowers from what is being measured. Merrill Chandler talks about credit profile…

  How can you have authority over your personal approval? Merrill Chandler reveals some insider secrets to the new source of funding approvals. These days, applying for credit lines, loans, or mortgages can be daunting as the borrower. However, when you shift the power from lenders to you, approvals can be attained rapidly. To fully…

  Just like any relationship, the lender-borrower relationship has its disagreements that can often be solved when both parties reach a mutual decision. As borrowers, we have always felt some bad energy from lenders because at some point, we know they are taking more from us. In this episode, Merrill Chandler discusses a paradigm shift…

  A lot of people don’t have any clue how lenders are making more money out of them. The credit score pyramid, invented by Merrill Chandler himself, shows how lenders are making more money off of you without leaving you any clue whatsoever. These lenders are smart, but you can outsmart them if you know…

  There are people who want to take advantage of your ignorance for their profit. The good news is you can save yourself from all these scams if you are well-equipped with knowledge about credit scores and how they function. In this episode, Merrill Chandler reveals how merchants use their knowledge of different credit scores…

  Today, it can be very easy to be lured by offers encouraging us to buy this and buy that. In this episode, Merrill Chandler teaches how not to fall prey to companies like Credit Karma which attract people to gain free credit scores and reports. Having used other methods for calculating scores and comparing…

  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…

    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 the evils of the Paydex score and what it is all about….

  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…

  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…

  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 from theft or fraud, and how to make your identity bulletproof. Merrill Chandler talks about the fundable identity and takes a deep…

  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…

  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…

  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…

  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…

  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…

  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…

  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…

  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 The Get Fundable! Podcast host Merrill Chandler and go through the origin story…

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