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...
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...
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...
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...
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...
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...
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...
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...
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...
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...