Welcome
"Hey, I'm Talkin' here!"
Credit Scoring (FICO)
Credit Education
Debt Collection Defense
Speaking and Educating
A SNAPSHOT OF JOHN MACKEY
John Mackey, the founder of CreditGeni.us, is a leading expert in FICO scoring, credit reporting, and debt collection defense. With a career spanning from 1988, he has extensive experience as a Realtor, broker, mortgage banker, loan officer, and credit educator. Known for his straightforward approach, John is a prominent professional speaker and business owner who candidly addresses the complexities of the credit system and debt collection practices.
John emphasizes, “There is a lot of misinformation about credit, credit scoring, and debt collection spread by institutions, credit bureaus, and advertisements. The truth has become obscured. Credit impacts every aspect of our lives, influencing where we live, what we drive, and even the cost of things not directly reflected on our credit reports, such as mobile phones. We often make financial decisions without fully understanding their impact. My goal is to clarify the truth.”
In addition to his expertise in credit and real estate, John is a Vietnam War-era US Army veteran, a graduate of the University of Minnesota – Minneapolis, a former high school pitching coach, and an author.
John observes, “We live in a world where complexities have increased to the point that people struggle to understand them, and when people don’t understand something, they don’t trust it.”
Getting Ready to Speak