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We live in a time in which credit scoring, specifically FICO scoring, means everything.

Your score determines when and if you can purchase a home, when and if you can obtain a credit card and at what interest rate, where you rent or where you live, how much your transportation will cost you, what type of employment you have and how much you pay for insurance.

It is virtually impossible not to have your credit score affect you. You would have to be living off the grid for credit scoring not to affect you. Not many people can live off the grid.

My point with this course is for everyone to be well informed about credit and credit scoring, especially the FICO method. As you will see, the truth will probably open most of your eyes.

Even if you have excellent credit and a high credit score, you will benefit, sometimes immensely. Just by applying some of my principles, you could see your credit score go up significantly.


There are no requirements for this class other than the unbridled desire to know how the credit system works.

About the instructors

John Mackey

Credit, Credit Scoring (FICO), Debt Collection Defense
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A Vietnam Era Veteran and the CEO of Credit Geni. us – A national Credit Education and Restoration Association with offices throughout the United States. Credit Geni. us was founded in 2007 in response to the need for effective Credit Repair and Education.

Prior to this, John Mackey was a Loan Officer for 11 years and a Realtor/Broker for 20 years. Through his career, John has helped those struggling with credit, debt collectors and low credit scores to overcome and stand tall with his training, consulting and insights. In 2016, John wrote the book, “Debt Collectors - Lies, Damn Lies and Deceit” – expanding his influence to help people all over the country.

He is passionate about helping good people in tough situations to have a better understanding of their rights when dealing with debt collectors and insight in how the credit bureaus and FICO scoring actually work.

Stand tall and know your rights – you can get back on track faster than you think.

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Free for 30 Days
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