Your guide to credit and finance clarity. Learn how credit scores, collections, and underwriting really work each week with J.S. Whaldo and John A. Mackey <br/><br/><a href="https://jswhaldo.substack.com?utm_medium=podcast">jswhaldo.substack.com</a>
Give Me Credit
Claim This Podcastby J.S. Whaldo and John A. Mackey
49 episodes
Updated Daily
Accepts GuestsHas Sponsors
Podcast Overview
Your guide to credit and finance clarity. Learn how credit scores, collections, and underwriting really work each week with J.S. Whaldo and John A. Mackey <br/><br/><a href="https://jswhaldo.substack.com?utm_medium=podcast">jswhaldo.substack.com</a>
Language
🇺🇲
Publishing Since
8/19/2025
1 verified contact email on file for Give Me Credit
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Recent Episodes
July 21, 2026
Give Me Credit Episode 35 - Summer Encore
<p>In this encore episode of Give Me Credit, consumer attorney Jacob Hippensteel joins credit expert John Mackey and JS Whaldo to break down how the credit reporting system really works behind the scenes.</p><p>We dig into why credit disputes often stall, how credit bureaus prioritize lenders over consumers, and why reporting errors like mixed files and identity theft can linger for years.</p><p>This episode explains the gap between what consumers expect from the credit system and how it actually operates under FCRA rules and automated dispute processing.</p><p>Key Topics</p><p>Credit reporting system explainedCredit bureau dispute process limitsFCRA and consumer reporting accuracyMixed files and identity theft errorsWhy disputes often fail or get automated responsesImpact of credit reporting errors on loans and rates</p><p>Encore Notice</p><p>This is a Summer Encore replay while we are on break.New episodes return September 8, 2026.</p> <br/><br/>Get full access to Mortgage Lending Explained at <a href="https://jswhaldo.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4">jswhaldo.substack.com/subscribe</a>
July 14, 2026
Give Me Credit Episode 16 - Summer Encore
<p>If you missed this one, it is worth circling back to. This episode features a real debt collection call that quickly exposes misinformation, pressure tactics, and legal threats that do not match the facts. John walks through it calmly and clearly, then breaks down what consumers need to know about their rights, debt validation, and how to handle aggressive collectors without getting pulled into panic or confusion.</p><p>We are currently in our Summer Encore series, sharing standout episodes from Season 1 while we take a short break. New Season 2 episodes return on 9/8/26 with fresh conversations and deeper dives into credit, debt, and mortgage lending insights.</p><p>Today, we are sharing a real debt collection call that John recorded on his business line, and it is a ride. This collector barrels in with confidence, armed with the wrong Social Security number, the wrong address, and a lawsuit threat set in Honolulu… while John is sitting in Minneapolis. From the first minute, you hear classic debt-collection red flags, legal misrepresentations, and pressure tactics designed to scare consumers into paying.</p><p>John stays calm and steady, which is precisely how to handle a collection call that feels off. As you listen, you will catch the manipulation, the shifting script, the bogus urgency, and the not-so-subtle intimidation that violates basic consumer protection principles. This call is a sharp reminder of why knowing your rights matters in credit and debt collection. It also shows how quickly a collector’s story falls apart when you ask simple questions.</p><p>After the audio, we break everything down so consumers can protect themselves from outdated accounts, statute-of-limitations issues, and aggressive collection practices. It is short, powerful, and packed with real-life lessons.</p><p>Settle in. This one runs longer than usual, but every second is worth it.</p><p>To receive new posts and support my work, consider becoming a free or paid subscriber.</p><p></p><p></p> <br/><br/>Get full access to Mortgage Lending Explained at <a href="https://jswhaldo.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4">jswhaldo.substack.com/subscribe</a>
July 7, 2026
Give Me Credit Episode 34 - Summer Encore
<p>Divorce does not erase your name from a loan.</p><p>That is the hard truth attorney David Cox breaks down in this Summer Encore episode of GMC #34.</p><p>Even if a divorce decree assigns a debt to your ex, lenders are not part of that agreement. If your name is on the account, you are still responsible. And if payments are missed, your credit takes the hit anyway.</p><p>We talk through what actually happens with joint debt after divorce and how people can protect themselves before signing settlement agreements.</p><p>This is one of those episodes that can save someone years of credit damage.</p><p>Listen now. Season 2 returns September 8, 2026.</p><p><strong>Give Me Credit</strong><strong> Podcast is available on </strong><a target="_blank" href="https://jswhaldo.substack.com/podcast"><strong>Substack</strong></a><strong>, Apple Podcasts, and Spotify.</strong></p><p><a target="_blank" href="https://podcasts.apple.com/us/podcast/give-me-credit/id1889963819"><strong>Give Me Credit - Apple Podcasts</strong></a></p><p><a target="_blank" href="https://open.spotify.com/show/3DGicg8fEEdQMMcgamwKPz"><strong>Give Me Credit - Spotify</strong></a></p><p>In this episode, we sit down with divorce attorney David Cox to unpack one of the most misunderstood financial traps in divorce.</p><p>Here is the hard truth. A divorce decree may assign a debt to one spouse, but it does not rewrite the original contract with the creditor. If your name is on that loan, you are still on the hook. Period.</p><p>We walk through what really happens when an ex-spouse misses payments on a joint account, a credit card, or even a mortgage. Late payments still hit your credit. Collections can still come after you. Your credit score can take the fall for someone else’s mistake.</p><p>Why? Because lenders are not part of your divorce. They never agreed to let you off the hook.</p><p>This conversation breaks down the gap between what the family court orders and how the credit and lending system actually works. It also highlights practical ways to protect yourself during settlement, including forced asset sales, refinancing requirements, and clear exit strategies from joint debt.</p><p>If you think divorce automatically separates your finances, this episode will change your mind fast.</p><p></p><p><strong>GUEST:</strong></p><p>David M. Cox, Attorney at LawTwo Rivers Law P.A.</p><p>763-575-7911David@TwoRiversLawOffice.com</p><p>www.TwoRiversLawOffice.com</p><p>9040 Quaday Ave., NE Suite 200, Otsego, MN 55330</p> <br/><br/>Get full access to Mortgage Lending Explained at <a href="https://jswhaldo.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4">jswhaldo.substack.com/subscribe</a>
49 total episodes available
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Frequently asked questions
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- What is Give Me Credit?
- How often does this podcast release new episodes?
This podcast updates daily.
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This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
Yes, this podcast regularly features guests.
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