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,...

  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...

  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...

  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...

  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...

  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...

  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...

  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...

  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...

  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...