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Are You F*able?

Are you f*able, or just plain unfundable? Have you ever walked into a bank and the second you mention what your business is, you are denied because of either risk associated with the business or some other thing that you’re not even aware of?

If you are that business owner, entrepreneur, or real estate investor who’s been denied too many times, then it’s time to roll up your sleeves and listen to this podcast so you can start working on making yourself fundable.

Hosted by fundability expert Merrill Chandler, Are You F*able? gives the answers and solutions to your fundability problem. Become more fundable and position yourself to get the money you need to do your deals. Join us right here on Are You F*able?.

Latest Episodes

AYF 39 | Authorized User Strategy

  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…

AYF 38 | Business Credit Applications

  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…

AYF 37 | Measuring Your Business Data

  Besides the 80% that FICO requires from your personal credit 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 credit identity is your 80%, then the 20% has to do with…

AYF 36 | Funding Entity Strategies

  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…

AYF 35 | Business Funding

  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…

AYF 34 | Loan Strategies

  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…

AYF 33 | Maximizing Loan Value

  This is a follow up on the episode about installment loans contributing to the weightiness of your credit 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…

AYF 32 | How To Spot Cheaters

  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 and…

AYF 31 | Business Credit Building Scams

  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…

AYF 30 | Business Credit Scams

  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…

AYF 29 | Million-Dollar Funding Formula

  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…

AYF 28 | How To Be Fundable

  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…

AYF 27 | Failure Or Success

  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 Are You F***able? We can all relate to that feeling of excitement…

AYF 26 | Revolving Account

  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 credit profile, they also give some…

AYF 25 | Installment Loans

  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…

AYF 24 | Lender Withhold

  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,…

AYF 23 | Revolving Account Portfolio

  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…

AYF 22 | Revolving Account Portfolio

  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 –…

AYF 21 | Exposing Seed Capital Fraud

  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…

AYF 20 | FICO List On Fundability

  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…

AYF 19 | Credit Profile And Score

  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…

AYF 18 | Manual Versus Automatic Underwriting

  How can you have authority over your personal approval? Merrill Chandler reveals some insider secrets to hacking 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…

AYF 17 | How To Improve Approvals

  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…

AYF 16 | Credit Score

  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…

AYF 15 | FICO Score Versions

  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…

AYF 14 | Credit Karma

  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 on how not to fall prey to companies like Credit Karma which attracts people to gain free credit scores and reports. Having used other methods for calculating scores and…

AYF 13 | Truth About Credit Scores

  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…

AYF 12 | Truth About Paydex

  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. As…

AYF 11 | Funding Game Players

  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…

AYF 10 | Protecting Your Identity

  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…

AYF 9 | Fundable Credit Identity

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

AYF 8 | Being Unfundable

  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…

AYF 7 | Fundability Optimization

  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…

AYF 6 | Funding Mistakes

  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…

AYF 5 | Credit Myths

  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…

AYF 4 | Optimizing Personal Credit Profile

  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…

AYF 3 | Underwriter Guidelines

  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…

AYF 2 | Automatic Underwriting Systems

  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…

AYF 1 | Fundability Optimization

  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 Are You F*able host Merrill Chandler and go through the origin story of…

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