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Get Fundable! Podcast

Are you f*able, or just plain f’d? Have you ever walked into a bank and the second you mention what your business is, you are denied because of either the risk associated with your 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 personal and business fundability expert Merrill Chandler, GET FUNDABLE! Podcast gives the answers and solutions to why Lenders may not be jumping up and down to give you money. When you become more fundable, you automatically put yourself in a position to get the money you need to do your deals. Join us right here on GET FUNDABLE! Podcast.

Latest Episodes

AYF 79 | Insider Client Call

  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…

AYF 78 | Collection Accounts

  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…

AYF 77 | UltraFICO & Experian Boost

  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…

AYF 76 | Opportunity For Growth

  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…

AYF 75 | Getting Started

  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…

AYF 74 | Social Security Scam

  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…

AYF 73 | Recession Proof Credit

  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…

AYF 72 | Credit Landmines

  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…

AYF 71 | Failing Credit Account

  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…

AYF 70 | Success Blind Spots

  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…

AYF 69 | Consumer Protection

  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…

AYF 68 | Legally Changing Your Name

  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…

AYF 67 | Real ID Act

  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…

AYF 65 | Credit Bureau Insider Secrets

  Credit has long existed with its interesting history from the old merchant’s association to Henry Ford and Mr. Singer creating the first installment plans. In this episode, Merrill Chandler talks about the insider secrets to the credit bureaus’ playbook. Taking us behind the scenes, he pulls back the curtain on credit bureaus and their…

AYF 64 | Insider Secrets Of Money

  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,…

AYF 63 | Approvals With Experian

  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…

AYF 62 | Getting Bigger Approval Points

  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…

AYF 61 | Get Bigger Approvals

  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…

AYF 60 | Ordering Consumer Disclosures

  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…

AYF 59 | Get Fundable

  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…

AYF 58 | FICO

  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…

AYF 57 | Fundability Services

  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…

AYF 56 | Saving On Taxes

  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…

AYF 55 | Invest In Your Why

  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…

AYF 54 | Celebrating Wins

  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…

AYF 53 | Revolving Accounts

  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…

AYF 52 | Building Your Credit Profile

  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…

AYF 51 | Holiday Fundability Killers

  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…

AYF 50 | What FICO Measures

  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…

AYF 49 | FICO Credit Score

  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…

AYF 48 | Funding Hacking

  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…

AYF 47 | FICO Score

  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,…

AYF 46 | Employee Value

  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…

AYF 45 | Data Breaches

  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…

AYF 44 | Credit Rewards Approval

  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…

AYF 43 | Merchant Cards

  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…

AYF 42 | Gender Bias In Lending

  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…

AYF 40 | Ordering Business Credit Reports

  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…

AYF 41 | Financial Algorithms

  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…

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 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…

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 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…

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 The New F* Word. We can all relate to that feeling of…

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 borrower profile, they also give…

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 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…

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 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…

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

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

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