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Welcome
Providing credit education for everyday people
credit Scoring (FICO)
Credit Education
Debt Collection Defense
Speaking and Educating
A SNAPSHOT OF JOHN MACKEY
John Mackey is the founder of CreditGeni.us. He is one of the foremost authorities on FICO scoring, credit reporting and debt collection defense. Mr. Mackey has been in the field of credit and real estate since 1988 as a Realtor, broker, mortgage banker and loan officer, and credit educator. As a professional speaker and a business owner, John is known for his unabashed candor about the credit scoring system and debt collections.
“There is so much misinformation on credit, credit scoring, and debt collection that has been perpetrated by our professional institutions, credit bureaus, and advertisements. Nobody recognizes what the truth is anymore. Credit is one of the most important factors in Americans' lives now. It is important for individuals and corporations alike. It determines where we live, what we drive, and how much we pay for items, even items that don’t even appear on the credit report (mobile phones, for example). We are penny wise and pound foolish on how we purchase items. I am here to shed light on the truth”.
John Mackey is a former US Army veteran during the Vietnam era, graduate from the University of Minnesota – Minneapolis campus, former high school pitching coach and author.
“We are living in a society in which things have gradually become so complicated that people do not understand them. When people do not understand, they do not trust.”
Getting Ready to Speak