The Fundability™ Podcast

Unfounded Fears Surrounding EIDL Collection

Mon, 27 Oct 2025 10:00:00 GMT

When COVID hit, EIDL loans provided a lifeline for countless small businesses. But now that those loans are coming due—often after a business has already folded—the looming threat of EIDL collection is causing massive stress. If you're receiving those nagging monthly statements, terrifying letters from the Treasury Department, or simply lying awake wondering what the SBA is going to do next, you need to hear this. In this essential episode, attorney Barry Levine joins us to reveal the SBA's actual (and often surprisingly sluggish) collection pattern, what happens when your business goes defunct, and most importantly, the strategic solutions available to protect your personal assets and finally put an end to the anxiety. Don't panic—get prepared.

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Leveraging Distressed Assets To Maximize Profitability (In The Next 12-24 Months)

Mon, 18 Aug 2025 10:00:00 GMT

Merrill Chandler sits down with Scott Carson of We Close Notes to discuss how to leverage and capitalize distressed assets. Scott delves into the parallels between the current market and the market-in-recession of 2008 to present the most reasonable investing strategies to implement right now. He explains how banks evaluate their portfolios and when they start shedding distressed assets. Scott also shares valuable advice on the right time to buy, how to understand and predict market declines, and finding the best opportunities in foreclosures.

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Major Updates From FICO World 2025! With David Smith

Mon, 26 May 2025 10:00:00 GMT

Live from FICO World 2025, this episode dives deep into the challenges facing small business owners in today’s economy. Our guest, David Smith—an SBA insider and expert in business origination—joins host Merrill Chandler to talk about EIDL loan defaults, rising inflation, SBA lending changes, and the ripple effects of regulatory shifts at the IRS and CFPB. From Five Guys burgers to $136 cowboy steaks, we're unpacking what price elasticity and economic reality mean for your business survival. It's real talk, no fluff—just insight, strategy, and a little humor.

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Live Updates From FICO World 2024 With David Smith

Thu, 02 May 2024 10:00:00 GMT

Ever pondered the intricacies of credit scoring and its impact on business financing? This is crucial for entrepreneurs and business owners alike. Merrill Chandler brings David Smith, a Key Account Partner and Small Business Segment Leader with FICO, to give some updates from FICO World 2024. They discuss the layers of credit scoring and the importance of cash flow analysis. Tune in to get some invaluable insights as they navigate the complexities of creditworthiness.

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Stop Giving The IRS Money They Don’t Deserve

Thu, 07 Mar 2024 11:00:00 GMT

You’re in for a sweet treat with today’s guest. In this episode, we’ve got tax hacks for your business. The father-daughter combo, Byron McBroom and Melanie Sikma, talk about why you should stop giving the IRS money they don’t deserve. They also discuss how investors can capitalize on depreciation and cost segregation. Byron and Melanie also identify the misconceptions people have about tax planning. The duo’s tax strategy is a game changer in your business to let you utilize that extra money to fund your dream. You should not miss this episode and join Byron McBroom and Melanie Sikma now.

Decoding The Corporate Transparency Act

Thu, 29 Feb 2024 11:00:00 GMT

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Thriving in the future demands a game plan, and FinCEN reporting is the playbook. Today, our special guest Bob Bluhm will talk about the FinCEN reporting playbook and why it is important to protect your assets. Bob presents "The 2024 Game Plan," a guide to navigating the real estate market, where he provides thorough information on trends, opportunities, and challenges for the upcoming year. He highlights the new FinCEN reporting requirements, guiding listeners through its step-by-step process, and explaining how to protect your assets in compliance with the latest regulations. Bob also touches on asset defense strategies and addresses common questions and concerns from real estate investors. Tune in now and learn to decode the corporate transparency act!

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A Top-Down Real Estate Investing Forecast For 2024

Thu, 22 Feb 2024 11:00:00 GMT

Don't miss out on the opportunity to build wealth through real estate in 2024. Instead of being uncertain like others, adopt a multidimensional strategy that transforms current investments into future successes. In this episode, Jason Hartman reveals a top-down real estate investing forecast for the year 2024. Discover how the global mindset and the ambition of 8 billion people contribute to keeping the economy thriving and innovative. Jason discusses the real estate market dynamics and why the common predictions of a crash might be missing the mark. He breaks down the power of mortgage rates, the lock-in effect, and the surprising stability in the current market. Jason introduces the concept of inflation-induced debt destruction, a strategy that uses today's money to reduce future debts. Tune in now and get ready for a long year ahead.

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The Benefits Of Being An Anti-Investor With Chris Miles

Thu, 15 Feb 2024 11:00:00 GMT

Even though many people dabble in the world of investing, Chris Miles has chosen to go down the road less traveled. In this episode, he joins Merrill Chandler to discuss his journey from financial advisor to anti-investor. He explains how to get out of real estate, focus less on your credit score, and abandon financial myths many advisors pass on as truth. He discusses how to make the investment grind optional, which is only about acceleration instead of accumulation of money. Chris also shares how he guides people to live their lives now and not tomorrow by adopting a financial approach that delivers actual yield as soon as possible.

The Insider Real Estate Power-Pivot Strategy For These Economic Times With Eddie Speed

Thu, 08 Feb 2024 11:00:00 GMT

They say the only thing that never changes is change itself. And that seems to be the truth and the whole truth when it comes to real estate. To thrive in this industry, you need to learn how to pivot with the times. Joining us in this conversation to show us the way is Eddie Speed. Eddie explains why the surge in rental property investments is now facing challenges, why note investing may be the next big wave to catch, and what strategies you can employ to be able to make informed investment decisions. Tune in to discover the secrets of successful real estate investing and stay ahead of the curve in this ever-evolving market!

How To Enjoy The Advantages Of Strategic Planning With A CFO Without The Burden Of CFO Costs

Mon, 01 Jan 2024 11:00:00 GMT

You don’t have to continue living deal to deal. It is time to end the cycle, step into this episode, and enjoy the advantages of strategic planning. Today, David Richter, the founder and owner of Simple CFO Solutions, discusses how to set us up as a priority to build a quality of life without harming the business along the process. He talks about what drove him to Profit First and get out from doing deal to deal. David explains the value of putting systems in place around money. So, start turning your business into a money-making machine instead of a cash-eating monster by tuning in to this episode with David today!

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How To Leverage Life Insurance Policies With Dan Thompson

Mon, 09 Oct 2023 10:00:00 GMT

There are tools to help you grow financially. In fact, this episode’s guest has four of them! Today, we unlock the gates to financial growth with Dan Thompson, the author of The 4 Keys to Building Wealth. He brings us one of those keys, particularly on how to leverage life insurance policies. Opening the windows, Dan gives us a clear view of why a life insurance policy is the most productive way to build wealth and how you can incorporate it into your path toward financial freedom. So, dive right into this conversation and take your wealth into your own hands with Dan Thompson and Merrill Chandler!

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Live From FICO World 2023 With David Smith

Mon, 02 Oct 2023 10:00:00 GMT

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, where we dive deep into the world of credit, lending, and financial optimization. Our special guest, David Smith, Small Business Segment Leader at FICO, discusses financial intelligence and credit scoring, showing how you can change the way you manage your finances forever. He explores the landscape of creditworthiness, revealing how you can become fundable in the eyes of lenders. David also touches on financial secrets on how to secure better terms, qualify for bigger loans, and more. Tune in now to level up your financial game.

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The Truth About Bankruptcy

Thu, 18 Aug 2022 10:00:00 GMT

What is the truth about declaring bankruptcy? In today’s episode, Merrill Chandler defines bankruptcy and walks you through how, why, and when it happens. It doesn’t end there. Merrill also shares how bankruptcies impact your future transactions and what you can do to maintain a positive relationship with your lenders. Get your dose of financial knowledge with tips on debt reparation, negotiation, and more as we dive deep into the topic.

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The Sketchiest "Buy Now, Pay Later" Practices

Thu, 11 Aug 2022 10:00:00 GMT

Nowadays, people would often splurge on what item is on trend. It could be the newest phones, gaming consoles, sought after skills trainings, etc. However, due to the lack of funds in their wallet, they cannot purchase some pricey items. Then come special sales and different payment methods, one being the overly-hyped “Buy Now, Pay Later” scheme that attracts people who don’t put much thought to what they are getting into. In this episode of The Fundability™ Podcast, host Merrill Chandler talks about how today’s Buy Now, Pay Later scheme is getting sketchier and sketchier.

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Why Certain Credit Cards Will Never Get A Limit Increase

Thu, 04 Aug 2022 10:00:00 GMT

Do you have a credit card that you use for shopping? Are your needs and wants to pile up, and you also want to increase your credit card limit? Listen to your host Merrill Chandler as he explains why certain credit cards will never get a limit increase. You don’t just get that quickly because they pull review scores from your previous transactions and purchases. Tune in to learn how mortgages are not loans and what type of investments suit one person.

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The Path To "Access The Money" With Flame Newton

Thu, 28 Jul 2022 10:00:00 GMT

Credit scores determine the borrowers’ access to money from lenders. Low credit does affect your chances of getting lenders to borrow you the money, but having bad credit is not the end. Doing your due diligence and seeking help from accredited credit repair companies will help you build your credit. Today, Flame Newton discusses how you can access money from banks or lenders. Building credit takes time, especially when you have poor scores. Tune in to this episode as Flame shares his credit journey and how he built his credit situation.

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Why Failure is the Greatest Feedback With Jen Conkey and Stacy Conkey

Thu, 21 Jul 2022 10:00:00 GMT

The real estate industry can be sometimes fickle. Making that first deal can be a very daunting task that one needs to overcome to get their drive on. Today, Merrill Chandler interviews real estate investors Jen Conkey and Stacy Conkey about their diverse real estate experiences and strategies to identify deals and make offers. With over a decade-long experience, what’s not to learn? Tune in on this latest episode to find out more!

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How You're Unknowingly Telling Banks NOT To Fund You With Brandon Bailey

Thu, 14 Jul 2022 10:00:00 GMT

If you could read the minds of bankers, would you? Fortunately, you don’t need to summon psychic abilities for this one. Merrill Chandler sits down with a former Tier 4 banker turned business owner, Brandon Bailey, to share with us what goes on inside of the bank between bankers and underwriters. Brandon reveals some inside information about how you’re unknowingly telling banks NOT to fund you. Tune in and earn great tips and tricks on fundability and understand why it’s not all about credit scores.

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The Top 3 Strategies To Optimize Your Time With Becky Nova

Thu, 07 Jul 2022 10:00:00 GMT

Many would set a goal and wonder, "Hey! I've been setting this goal, and still, why couldn't I make it?" In this episode, Becky Nova, the Founder of Lady Landlords, talks about how she's helping women reach their financial freedom. She shares the strategies she used to optimize her time and explains how Lady Landlords provide help to other women. Tune in to this inspiring episode and discover how a tale of woes turned into a fantastic opportunity!

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Fundability and FICOWorld '22

Thu, 30 Jun 2022 10:00:00 GMT

Small business owners are the backbone of the economy. They create jobs, spur innovation, and help drive economic growth. However, they often face significant challenges in accessing the capital they need to start or grow their businesses. In this episode, David Smith, a Senior Originations Consultant with FICO, sits with Merrill Chandler to talk about the trends in business lending and business borrowing. They will also discuss how the blended score shifts and how lenders use this blended data to automate underwriting.

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Leveraging Mistakes For Self-Discovery And Success With Melissa Houston

Thu, 26 May 2022 10:00:00 GMT

Your mistakes don't define you. In fact, they are essential for self-discovery and success. They teach you a lot and help you grow. Having seen the bottom and climbed her way back up, Melissa Houston shares how she concealed $100k in personal debt from her husband, and bounced back both personally and financially. Now she is a financial strategist who helps entrepreneurs grow from 6-figure to 7-figure businesses. Stay tuned and learn how you can leverage your mistakes to achieve your financial dreams.

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The Dangers Of Rolling Charge-Offs

Thu, 19 May 2022 10:00:00 GMT

Do you know what a rolling charge-off is? In this episode, Merrill Chandler defines the term and how it can affect your finances, especially your credit profile. Understand how missing a due payment can escalate your financial issues by tuning in. Plus, get practical tips with real world examples from Merrill. Stay tuned!

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The Key To Building A Team Of Pure Genius With Tracy Hazzard

Thu, 12 May 2022 10:00:00 GMT

What does it take to build a team of pure genius? In this episode, we learn that it’s all about achieving harmony from the different skillsets that each person in it has. Merrill couldn’t have picked a better person to talk about this. In celebration of Women’s History Month, our host brings in his genius mentor who has facilitated the growth of the Fundability movement in many ways. Tracy Hazzard is a podcast launch strategist and CEO of Podetize, the very company that works on every episode of this podcast. In this fun and engaging conversation, Tracy details how she and the rest of the Podetize leadership team are creating a company culture based on the Four Quadrants Model of the Herrmann Brain Dominance Institute. And that’s just one of the many topics discussed in this episode. Never miss half a beat as this absolute genius dishes out nugget after nugget of valuable insights on product design, podcasting, leadership, mentorship, and so much more.

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Your Secret Consumer Score

Thu, 05 May 2022 10:00:00 GMT

Becoming fundable often hinges on a single factor that affects your ability to get a loan. Now, getting funds depends on your secret consumer score. And just what is that? Merrill Chandler delves into consumer scores and how they affect you. He looks at secret consumer scores, how they work, and how you can bring yours up. Tune in and learn how to get fundable with great advice from Merrill.

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The Secret Weapon To Manifesting Opportunities And Success With Monick Halm

Thu, 28 Apr 2022 10:00:00 GMT

Manifesting opportunities and success is a big part of progress. Setting your goals is the first part of achieving them. In this episode, Merrill Chandler learns about manifesting your goals with Monick Halm, the Founder of Real Estate Investor Goddesses. Monick shares how she started her path towards success via real estate, her way of manifesting success. Tune and learn more success tales from ordinary people who have found their way to the top.

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Catfish Credit™

Thu, 21 Apr 2022 10:00:00 GMT

As a business owner or a simple professional, you want to minimize cost in any way possible. You also want to accumulate rewards with every expense. That’s why credit offers that are way too beautiful would sound great. But, you have to be careful. Not everything is real. How do lenders catfish you into a deceptive relationship? Let’s dive into this episode as we discuss the three deceptive practices of credit offers that are designed to manipulate those who are seeking business credit into beginning a relationship based on deceptive or false premises.

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Circus School, Real Estate Investing, And Saying "YES!" With Sarah Sullivan

Thu, 14 Apr 2022 10:00:00 GMT

How can you succeed with your creative and analytic sides as a woman? Merrill Chandler sits with Sarah Sullivan, the CEO of SuGo Capital – a company that offers you financial freedom through real estate investing. Sarah shares her journey going through MBA, circus school, corporate, and real estate. The key to succeeding? Learn to say “yes!” Experiment and try new things. Don’t try to follow one path because there are infinite paths! Figure out what gives you joy, wealth, and freedom. Listen to this episode for more inspiration.

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Leveraging Indexed Universal Life (IUL) Policies

Thu, 03 Mar 2022 11:00:00 GMT

How important is having insurance? Are you aware of the benefits it could give you and your family? What are universal life policies or indexed universal life policies? In this episode we will give you the knowledge you need to have about it. IUL actually has two facets: cash value and death benefit. Learning more about cash value will give you an edge when it comes to maximizing your insurance policies. You can have an in depth example by tuning in here!

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The Importance Of A Fundable Business Name

Thu, 17 Feb 2022 11:00:00 GMT

If your business name is Real Estate Property Resources, LLC, you are immediately not fundable at all. Business names and, more importantly, business codes are very crucial when it comes to fundability. Join Merrill Chandler as he talks about having the right business name for your company. Remember, words drive the business codes. The business codes drive the fundability or lack of fundability. Listen in so that you may find success!

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Forecasting A Fundable 2022

Thu, 10 Feb 2022 11:00:00 GMT

It's that time to forecast another fundable year this 2022. Everyone talks about their 'why' as motivation, but what about their Z? What is the endgame? How do you know you've succeeded? In this episode, Merrill Chandler shares his Z300 method to help you stay on track with your goals both in finances and in life. Getting fundable isn't just about closing the next deal. It's about building the life that you want to live and becoming the person you want to be. See how this method works for you and get ready to conquer the coming year.

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The Value Of Fundability When Inflation Hits

Thu, 18 Nov 2021 11:00:00 GMT

The aftereffects of COVID on the economy are still lingering and will stay for who knows how long. What is the value of fundability at a time like this? Merrill Chandler is here to break down what’s really going in the economy. Is it inflation? Or is it just a scarcity of resources that result to higher prices? He also discusses how you can take advantage and why now is the best time to get fundable. Stay tuned!

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3 Consumer Trends The Smartest Strategic Borrowers Avoid

Thu, 11 Nov 2021 11:00:00 GMT

If you’re not a savvy, educated or strategic borrower, watch out. The slew of credit products disguised to not even look like credit products are unbelievable. On today’s show, Merrill Chandler does a deep dive into these consumer trends and shares some ways on how to fix them. It pays to be better informed than to get the rug pulled out from underneath us. Tune in to avoid these credit traps and escape from more financial harm.

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When Fundability Meets Travel Hacks With Owen Beiny

Thu, 04 Nov 2021 10:00:00 GMT

There are three major credit card benefits: cashback, air miles, and points. What if you were to discover neat credit card travel hacks? Merrill Chandler’s guest in this episode is Owen Beiny, the Founder of The Points Partner. Owen’s objective is to help anyone in America fly for free using points and miles. The first step to achieving that goal is to teach you how to be effective in using your credit card points. There's no point collecting credit card points if you don't know how to use them! If you want to know how to travel the world for free just by using your credit card points, you’ll want to listen to this episode. Tune in!

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The Hidden Cost Of Doing Business

Thu, 28 Oct 2021 10:00:00 GMT

Do you know there's a hidden cost of doing business? In this solo episode, Host Merrill Chandler gives entrepreneurs a heads-up on merchant fees you have to watch out for when using credit cards as payment gateways. The sales reps, MasterCard, American Express, credit card issuer and all the other people involved charge fees you may not be aware of. Just setting up the payment gateway results in setup fees. If you want to know what happens behind the scenes and what you can do to save money, you need to listen to this episode.

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The Success Of Self-Sabotage

Thu, 21 Oct 2021 10:00:00 GMT

We all want to achieve a fulfilling life with meaning and purpose. However, we tend to talk ourselves out of it and self-sabotage. What can we do to make progress in our lives? Join our host Merrill Chandler as he talks about staying committed to our goals while still being gentle with ourselves in the process. He dives deep into discipline, habits, setting attainable goals, and the importance of staying true to our words. We will learn how to take our wins and avoid self-sabotage to achieve our ultimate desires and continuous self-improvement. So don’t miss out by tuning in!

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The Truth About Home Equity Lines of Credit and How They Impact Your Fundability

Thu, 14 Oct 2021 10:00:00 GMT

Want to learn more about home equity lines of credit? You’ve come to the right place! In this episode of Get Fundable, Merrill Chandler explains what HELOC is and reveals just how it impacts your fundability. He breaks it down the concept and the rules you need to follow to make the most of your HELOC. Merrill also shares what makes it better versus other credit lines. Tune in to learn how you can create more wealth with inexpensive money through your home equity!

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The Deceptive World Of Debt Consolidators

Thu, 07 Oct 2021 10:00:00 GMT

Debt consolidation is scary and deceptive if you don't know what you're doing. Do not get into something that you know nothing about. That is how they get you. They will trash your credit profile before you know it. Join your host Merrill Chandler as he discusses the dangers of getting in touch with debt consolidators. Learn how they use a homegrown chapter 13 bankruptcy tactic to get you to think you're paying less than you should. Learn how to protect your credit profile today.

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The Physics Of Wealth

Thu, 30 Sep 2021 10:00:00 GMT

We all want to live life to the fullest and experience the joys of everything from our financial freedom to family life to friends and everything in between. So how do we create a life we have always dreamed of and become better versions of ourselves? In this episode, Merrill Chandler provides analogies to help you think about how you could expand your heart and soul while having your cash flow too. We have limitless power, but how do we capture this energy we need to navigate throughout our lives? Tune into this as you dive deep into how you could bring in vast quantities of cash. Make your heart bigger, expand your wattage, and live a meaningful life. Listen to this episode to gain perspective and shine brighter in different aspects of your life.

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3 Borrower Behaviors Of The Financial Elite That You Can Implement Today

Thu, 23 Sep 2021 10:00:00 GMT

You need to get the mindset that being part of the 1% is unachievable, out of your head. That 1% is not people; it's strategies and borrowing behaviors. How can you increase that 1% to 2% or even 10%? It's possible with the right behaviors. Money is unlimited, anyone can become a millionaire and be a part of that 1%. All you need to understand are the behaviors and strategies. Join in today's episode with your host Merrill Chandler on three Borrower Behaviors that you can use today.

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5 Credit Trends Every Savvy Borrower Needs to Know

Thu, 16 Sep 2021 10:00:00 GMT

We are seeing a surge in new credit card trends across the US. These trends are interesting ways at getting fundable, and it’s time we took a look at them. In this episode, Merrill Chandler looks at these 5 new trends and gives a quick analysis of each. We find out what sectors are most affected by these changes and how they impact your fundability. Tune in for more information on getting fundable right here.

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OPM: Leveraging Other People's Money To Reach Your Goals

Thu, 09 Sep 2021 10:00:00 GMT

Today, Merrill Chandler goes back to the basics and teaches us how to leverage other people's money to reach our goals. Learn why building a relationship of trust is important for OPM and money lending. Discover the different forms of OPM and know how to build a reputation so that you can get a high score from lenders. Tune in and learn all you need to know about managing other people's money.

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Cryptocurrency and Fundability: Friends or Foes?

Thu, 26 Aug 2021 10:00:00 GMT

As neo banks continue to dominate the industry, mainly because of the pandemic, digital banking interactions have become commonplace. This begs the question: do cryptocurrency and fundability go well together? Merrill Chandler breaks down how to maximize this digital currency as more and more banks embrace online interactions. He also explains how this impacts your relationship with lenders and how cryptocurrency could play a role when getting a loan.

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Are You More Fundable Because The Government And Big Banks Are Adopting Fundability Principles?

Thu, 19 Aug 2021 10:00:00 GMT

The government is finally adopting fundability principles! President Biden is looking to update the economic investment act and touch the rules of fundability. This will encourage lenders to put more money by lending to credit invisibles. Join your host Merrill Chandler and learn why this is good for the economy. By doing this, more people will be able to borrow money from lenders. This will give more people dreams and aspirations, and that is all people need to drive the economy. Tune in and learn more!

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Radical Changes In Banking: How New "Banks" Are Creating New Landmines That Can Destroy Your Fundability

Thu, 05 Aug 2021 10:00:00 GMT

The pandemic has changed a lot in the world—the banking system is one as people transition to going online instead of going to bank branches. How do banks reward borrowers and depositors for positive borrower behaviors? Merrill Chandler explores going digital to make everything easier, faster, and better with the personalized banking experience. He also shares how banks are creating new landmines that could destroy your fundability. Let us dive deep into the digital relationship-building strategies of banks and ways we could protect our cash flow and fundability.

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Wells Fargo Is Abandoning Borrowers: A Foreshadow Of Big Banking Shifts To Come?

Thu, 29 Jul 2021 10:00:00 GMT

Are big banking shifts about to come to Wells Fargo? Is their abandoning borrowers a taste of things to come? In this episode, Merrill Chandler analyzes Wells Fargo’s decision to end their line of personal credit instruments. He also takes a look at a few other things that may change in their policies. Learn what you can do to recover from this development. Tune in to find out more.

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When Junk Mail Impacts Your Fundability

Thu, 22 Jul 2021 10:00:00 GMT

Spam and junk mail are a serious concern. Many of these also pose a security risk and can endanger your chances at becoming fundable. In this episode, Merrill Chandler talks about junk mail and how to get rid of them. Merrill presents several examples of junk mail and describes the scams that are often connected to them. A great episode to catch if you’re concerned for your information security.

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ITINs, CPNs, & SSNs: A Critical Review

Thu, 15 Jul 2021 10:00:00 GMT

ITINs, CPNs, and SSNs may look incomprehensible, but they form a unique look at your fundability. In this episode, Merrill Chandler digs deep into these identification numbers and gives us the lowdown on what they mean. We look at SSNs and analyze the meaning of these numbers. Merrill gives us the score on CPNs and talks about why these are fraudulent numbers that you should avoid at all cost. We also take a peek at ITINs and why these are important fundability tools for foreign people in the US.

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How The Biggest Retailers Can Crush Your Real Estate Opportunities

Thu, 08 Jul 2021 10:00:00 GMT

Did you know that Amazon, Apple, and Venmo destroy your personal fundability via “credit cards?” With low fundability, you’ll find it difficult to get capital for your real estate projects. Today, Merrill Chandler exposes how these big retailers hide the specifics in fine print. To avoid stepping on funding landmines, you need to know the rules of the game. Where to start? Tune in to this episode.

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The Truth You Trust About Credit Monitoring

Thu, 01 Jul 2021 10:00:00 GMT

People often get trapped into recurrent payments for credit monitoring services. But how is that actually helping and serving them? Merrill Chandler debunks some perceptions surrounding credit monitoring services. He explains when and how you should be acquiring these services to most benefit you and your finances. Most importantly, he shares where you should find the truth you trust, which is vital for keeping track of your credit scores and finances.

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Are Your Consumer Behaviors Costing You?

Thu, 24 Jun 2021 10:00:00 GMT

Isn’t it time to move past the term “consumer”? In fact, maybe it’s time to elevate yourself and become the perfect borrower? In this episode, our host Merrill Chandler tackles the term “consumer” and proposes that we elevate ourselves and become borrowers. And not just borrowers, but perfect borrowers. Merrill fleshes out why the borrower is important to the financial cycle and talks about why you need to be a borrower and not a consumer. This episode is a perfect starting point for financial literacy. Join in!

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How Marketers Are Ruining Your Credit

Thu, 17 Jun 2021 10:00:00 GMT

Advertising is deceptive and marketers are ruining your credit if you don’t know the truth behind how credit works. In this episode, Merrill Chandler discusses how you should never respond to credit card offers unless they’re tier-one, tier-two, and tier-three types of credit cards. We don't want finance company rates. In fact, if it has the word finance or financial in it, it's automatically a no-go. Get empowered with information so you can make good decisions. Tune in so you won’t be fooled!

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Horses, Syndications, And Adoptions With Whitney Sewell

Thu, 10 Jun 2021 10:00:00 GMT

You will be twice as happy doing what you love. But sometimes, you just have to put your passions on hold because it could be holding you back. Then once you earn enough money doing something like real estate, you can go back to your passion or dream job. That is the story of Whitney Sewell, the Founder of Life Bridge Capital and the Life Bridge Foundation. Whitney is living his dream because of his focus on relationship building in real estate. Walkthrough the life of Whitney with your host, Merrill Chandler – from his life in the military to horses, syndication, and adoption. Also, find out how the Life Bridge Foundation connects to his business in syndication.

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5 Credit Myths You Need To Know

Thu, 03 Jun 2021 10:00:00 GMT

Are you aware of credit myths that people continue to believe in? These myths have been passed along, some for generations, and they can cause big trouble to anyone who owns a credit card. As a preview of his new series, where he plans to take on all credit card misinterpretations, Merrill Chandler debunks five common credit myths you need to know to change your funding game. Merrill highlights five myths and why each of these is misinformation and can do more harm than good. From high credit scores to a good source of credit, discover these common myths to help you level up your fundability game.

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Why Fundability Is 10x Better Than Creditworthiness

Thu, 27 May 2021 10:00:00 GMT

The three-digit credit score determines our capacity to pay for a loan, but it sadly evolved as the standard for financial self-worth over time. Merrill Chandler aims to get rid of this unhealthy perspective and invites everyone to embrace the paradigm of fundability. He explains why these numbers must not feed our ego or push us to look down on other people's financial capacity. Merrill discusses the benefits of adopting the fundability concept, which concentrates on having a borrower behavior and profile corresponding to the lender's guidelines.

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The Epic Fall Of The Most Popular Credit Card Stacking Company

Thu, 20 May 2021 10:00:00 GMT

Stop gaming the system! Learn how to work within it not unless you want to share the same fate as Seed Capital. Merrill Chandler shares the cautionary tale of Seed Capital and their sketchy business practices. Find out who they are and what they did to get the FTC to file a lawsuit against them. Learn how Seed Capital used practices such as credit card stacking to lure in some innocent, first-time investors. Join Merrill as he teaches you how to play the game correctly by following rules and regulations, and learn how to avoid companies like Seed Capital who are just there for your money.

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Mortgages 101

Fri, 14 May 2021 10:00:00 GMT

Do you want to buy your own house for your family? Do you want to buy some property in order to start a business? Before you think about doing that, you need to understand what mortgages are first. Welcome to your online classroom and get ready to learn all about mortgages with your host, Merrill Chandler. Learn the step-by-step process on what requirements you need in order to get a mortgage. Learn the differences between The Federal Housing Administration and Fannie Mae, learn how to balance your credit score, and learn some tips and strategies on how to get a mortgage.

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The VISA And MasterCard Lie

Thu, 06 May 2021 10:00:00 GMT

Have you ever wondered what the different logos on your credit card mean? Stick around as Merrill Chandler explains why there is a lot more going on about this than just an excessive love for brand graphics. In this short episode, Merrill breaks down how co-branded credit cards work, what different credit card processors mean, and how to tell what kind of card you have based on the logos that it has and where they are placed within the card. Plus, learn about the relationship between Wells Fargo and American Express that even Merrill could scarcely believe. If you want to get a more comprehensive understanding of what your credit card is and what it allows you to do, you shouldn’t miss this.

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Your Business Is Exactly the Business You Want...Whether You Like It Or Not With Gerritt Bake

Thu, 29 Apr 2021 10:00:00 GMT

Many business owners want to scale their business, but they’re unwilling to put in the effort required. Your current business is exactly the business you want because it’s a reflection of who you are. Merrill Chandler discusses with his coach Gerritt Bake how interpersonal value equals enterprise value. Gerritt Bake is a strategic planning specialist at Performance Capital who helps Merrill build enterprise value in his business. In this episode, you’ll discover the importance of having clarity, accountability, and commitment. Join in the discussion to gain valuable insights into building enterprise value in your business!

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The Right Way To Get Good Debt

Thu, 22 Apr 2021 10:00:00 GMT

Debt is such a scary concept for most of us. After all, who would want to be living working to pay off something? But Merrill Chandler is here to help us overcome this overwhelming word and rethink what debt is to us, especially when planning for the future. In this episode, he discusses the difference between good and bad debt and what is the right way to get the former. Merrill then shares how to leverage debt in order to kill it in your entrepreneurial and real estate investing enterprises. Join in on this discussion and find out how cool debt is if you know what you’re doing.

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The Top 5 Tax Scams Of 2021

Thu, 15 Apr 2021 10:00:00 GMT

It’s tax season and you need to be extra careful these days because tax scammers are not just on the loose, they’re also into the long game! What does this exactly mean? This episode goes deep into phishing and how it happens in the context of tax and credit. Join Merrill Chandler as he details how scammers can pose as IRS agents and contact you through phone or email, get your tax information, and use it to file for credit in your name. Listen in and learn about the red flags that you need to watch out for so that you can easily spot a tax scam should it find its way to you.

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Snowmobiling, Search & Rescue, And Business

Thu, 08 Apr 2021 10:00:00 GMT

The most important business lessons are found during the most unexpected time. For Merrill Chandler, he found an inspiring message in one exciting yet chilling snowmobiling trip. He shares how getting stranded in a snowy ravine within the mountainous areas of West Yellowstone taught him to avoid overconfidence and overestimating his skills. He also talks about how this singular experience pushed him into crisis management mode that tested his survival, making him realize the importance of evaluating risks over rewards.

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Operating With Certainty So Your Legacy Lives On Forever With Eric Dunavant

Thu, 01 Apr 2021 10:00:00 GMT

If sudden misfortune were to happen to you today, will your family and business survive? In this episode, Eric Dunavant explains the importance of operating with certainty to better secure your chances of long-term success. Eric is the President at Paradiem, whose mission is to empower families and businesses to live a better story by being more intentional. The biggest mistake of many business owners is not putting certainty in place because of the firm belief that "I'm not going to fail." But often, they do fail! Who suffers the most during times of failure? The business owner themselves and their families. Do you want to learn how to operate with certainty to secure your business and your family on a long-term basis? Then this episode is for you.

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The Secret Strategy For Accelerating Fundability

Thu, 25 Mar 2021 10:00:00 GMT

Learn how to boost your fundability as Merrill Chandler reveals the secret strategy he only teaches his most successful clients! In this episode, he takes us into the world of fundable savings plans, where he helps us become more fundable, save money, and prepare for future possibilities, future vacations, or future disasters. Merrill dives deep into a game-changer for liquidating our savings, all the while improving our quality of life. Join him as he shows you how to better take care of your fundability and also yourself.

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The Secret To Using Your Instinct

Thu, 18 Mar 2021 10:00:00 GMT

Using your instinct can save your life, whether you’re in a literal war zone or in a quest to be fundable. In this episode, Merrill Chandler shares a near-death experience he had in the battle-torn state of Chiapas, Mexico. This real yet surreal experience shows how listening to intuition literally saved Merrill and his fellow Gringos from a bloody incident that would ensue. What does this have to do with fundability? Well, for starters, fundability, just like any other area of life, is best approached with a balanced use of our three centers: intellect, intuition and instinct. Merrill explains why in this episode. If any of these three centers tells you this episode is going to give you something of value, go ahead and listen to it!

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The Reality Behind The Big Headlines

Thu, 11 Mar 2021 11:00:00 GMT

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 bureaus, making a lot of people confused with the future of loans if such a decision is to be made. Merrill Chandler drills down into these pretty misleading articles, taking a look back on the players involved in the credit system to see what this proposal truly has in store for everyone. He also breaks down his hopes for this new credit bureau, which is highly possible to give low-income earners a chance to build up their credit score without that much difficulty.

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6 Things Every Entrepreneur Needs To Make Their Business More Profitable With Michelle Seiler Tucker

Mon, 08 Mar 2021 11:00:00 GMT

Making your business more profitable and exiting rich is easier said than done. Today's guest, Michelle Seiler Tucker, the Founder and CEO of Seiler Tucker Inc., joins Merrill Chandler to share her 6 P Method to help you sell your business for a huge profit - people, product, process, proprietary, patrons, and profits. When you build your business on these 6 P's, you're well on your way to exiting rich. Michelle also cautions you from committing the same mistakes she has seen many others do so you can save yourself from losses and lawsuits! Don't miss this wisdom-filled conversation with Michelle and Merrill.

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7 Simple Strategies Most Entrepreneurs Don't Know With Pam Jordan

Mon, 01 Mar 2021 11:00:00 GMT

Are you a struggling entrepreneur who can't find that missing key to your success? Perhaps one of those is discussed in this episode! Pam Jordan is a no-nonsense financial expert and speaker who manages over a billion dollars for entrepreneurs. Today, Pam joins Merrill Chandler to share seven simple strategies you can use to skyrocket your own business. Most entrepreneurs don't know about these strategies because they've not had the level of experience as Pam has. Jump in the conversation and learn from one of the most strategic minds of today.

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Revealed: The Skeezy World Of Collection Agencies With Nick Alfano

Fri, 26 Feb 2021 11:00:00 GMT

More people complain about debt collection agencies than any other single industry. Why? Because disreputable collection agencies resort to exploitation, harassment, and deception to get you to pay what you may or may not owe. How can you defend yourself against such exploitative tactics? Today's guest, Nick Alfano, a former owner of 23 debt collection offices, joins Merrill Chandler to lay bare the secrets of the skeezy world of collection agencies. Join in the discussion and help spread the word!

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How Limiting Beliefs Rob You Of Your Biggest Wins

Mon, 15 Feb 2021 11:00:00 GMT

When you think about winning, how many times in our lives do we take the normal and regular definition of winning and just go with it? How many of us have limiting beliefs that literally define what a win is? On today’s podcast, Merrill Chandler shares a recent experience where he took an exercise with other CEOs about teamwork and defining what winning looks like for them. Oftentimes, our limiting beliefs rob us of our biggest wins simply because we do not define what winning is for us. Winning is not always about reaching the finish line first. Sometimes, it’s about enjoying the ride and finding other opportunities along the way.

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Celebrating A Milestone: 1,000th Client Funded! An Interview With William Lam

Mon, 08 Feb 2021 11:00:00 GMT

The mental side of the business is most often neglected, at least until a problem arises. However, as William Lam believes, your business will only be as unlocked as your mind is. It will not live up to its full potential until your mind begins to get there. In this episode, he joins host Merrill Chandler to talk about why mental training is very important and, at the same time, celebrate a milestone as Merrill's 1000th client funded. William takes us across his journey to fundability, having his score plunge down and getting it back up. As a Head Trainer specializing in mental performance training, William has the tools to help business owners, investors, and other high performers ascend to the next level by programming their minds, changing their micro behaviors, and unconscious thinking patterns. He shares some of those with us, adding a layer to our knowledge by optimizing not only our fundability but also our brains in the process.

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Easy Ways To Save Your Fundability If You're In Financial Stress

Mon, 01 Feb 2021 11:00:00 GMT

There probably is no more challenging time than now in our current pandemic for people with their financials. With so many out of jobs, financial stress has become more evident than ever. Helping you get out of that and recover with a soft landing, Merrill Chandler dedicates this episode to share with you some of the easy ways to save your fundability. He talks about how things can go sideways in recessions and how you can prepare for them and protect yourself. Join Merrill as he takes you deeper into your credit profile, lenders and banks, and some borrower behaviors in this conversation.

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Conversation With A Billionaire: An Interview With Solomon RC Ali

Mon, 18 Jan 2021 11:00:00 GMT

Capital is a hard thing to get when you're trying to fund your business, even more so for people in the black community as well as those who don’t have a network of wealthy people around them. Addressing this issue, Solomon RC Ali—a self-made multi-millionaire, Private Equity Investor, and Tech and Energy CEO and consultant—created his own consultancy that is all about creating minority wealth. He sits down with Merrill Chandler to tell us all about it and how they are doing it. He also shares some insights about the Black-American community, the shift from consumers to creators, and guiding them to see the path to the top. Join Solomon in this conversation for the tools and wisdom to get that business up and running!

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A Funny Thing Happened On The Way To The Car Dealer

Mon, 11 Jan 2021 11:00:00 GMT

Who could have known that auto drafts can be a bit tricky, even for a credit expert? Merrill Chandler shares his harrowing experience of encountering a late (and seemingly phantom) payment for his own auto lease, getting in a bit of a predicament with his car dealer. He shares his takeaways on this situation, detailing how he became his own coach by learning from his bootcamp discussion, as well as appreciating the help he got from the most unexpected people. Merrill emphasizes focusing on how being happy than simply being right can eventually lead to saving even more money than you can imagine.

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Are You Living In Toxic Trust?

Mon, 04 Jan 2021 11:00:00 GMT

Putting trust in another person is truly an admirable thing to do. But by taking it for granted, toxic trust may eventually develop, causing selfish tendencies that actually hinder actual connections with others. Instead of putting ourselves in their shoes, we just impose our attitude and values onto them. Merrill Chandler discusses the four levels of trust, emphasizing why we should change our perspective on each one, from looking within ourselves to start looking outward. He also shares an emotional story of how he tried to connect with his son, who is going through a tough time, only to realize that his trust does not foster a meaningful fatherly emotion.

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Leveling Up: Ending The Month, Quarter, & Year At The Top Of Your Game

Fri, 18 Dec 2020 11:00:00 GMT

2020 has been a challenging and depressing year for most people. With all the losses and failures, 2021 is being set as a brand new stage for leveling up. Merrill Chandler invites everyone to end the year on a high note and push the boundaries around us, especially those imposed upon our motivation and goals due to the pandemic. He focuses his discussion on gathering all the energy in making December the most rewarding year-ender we could ever have, setting the tone for a much more successful 2021. Merrill also shares his powerful reminders for the coming year, all available at www.GetFundableBusinessChecklist.com.

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It Took Me Over 50 Years To Remember This...

Mon, 30 Nov 2020 11:00:00 GMT

We’ve all heard of the terms “quality of life” and “standard of living” get thrown around. Sometimes, without knowing it, we sell ourselves short, thinking one is more important than the other. In this episode, Merrill Chandler takes a look at both of these and reveals why we are selling our soul to one instead of embracing the other. He shares some more quality to life secrets worth 50 years of his experience, helping us transform our priorities into something that would benefit us not only in the end game but also as we are living and thriving.

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Is Your Business Health Ready for The New Year?

Mon, 23 Nov 2020 11:00:00 GMT

This year is nearing its end and whether you’ve been rocking it or not, next year is going to be an amazing opportunity to bounce back or bound even further. How healthy is your business now? Are you ready for the new year? Merrill Chandler takes the time to share some simple things that you can do to make sure that you’re starting 2021 strong and fundable. Do you think you’re up to it? You wouldn’t be here if you weren’t!

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You Deserve It All...Or Have You Been Lied To?

Thu, 12 Nov 2020 11:00:00 GMT

Part of our human nature is we tend to convert a gift and make it an entitlement. When we keep receiving a gift and have come to expect it, we get disappointed or even demonstrate aggressive behavior when those expectations are not met. We become petulant and angry when we don't get our way. On today’s podcast, Merrill Chandler dives into when gifts become entitlements, and what it has to do with what’s going on in the world.

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7 Fatal Mistakes Almost Everyone Makes When Choosing a Business Credit Card

Mon, 02 Nov 2020 11:00:00 GMT

Getting a business credit card is a lot more than what many think about. Without knowing it, you may have already stepped on multiple landmines that ruin your chance of getting one, or if you did, then you may have gotten one wrong. In this episode, Merrill Chandler reveals the seven ways in which you may have miscalculated getting business credit cards and what you can do about it and go from there. He breaks down some important errors to watch out for and some questions you need to be asking before making that decision.

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Business Credit: How The Old Paradigm Is Failing You

Wed, 28 Oct 2020 10:00:00 GMT

The world is moving fast, and if you don’t catch up with it, you’ll end up naturally falling behind. The same way with fundability, you need to get up to date with what is going on because, without you knowing it, you just might be following strategies and relying on information that doesn't work anymore. In this episode, Merrill Chandler talks about the old paradigm, what people still believe, for business credit and how it no longer applies to funding. He gives an update about a podcast episode done a year and a half ago and taps into the truth about “corporate credit” and why the old paradigm is not fundable. In the same strand, Merrill then shows us what the new paradigm looks like and how we can use it to up our fundability game.

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Is Your IRA Costing You Money? With Jack Kiley

Mon, 26 Oct 2020 10:00:00 GMT

Even the best people in the business need some help to get their processes right and make sure they are not losing. Merrill Chandler also has his own magic maker, someone who has helped him in more ways than one to do everything right and efficiently. In this episode, he brings over to the show Jack Kiley of MidAtlantic IRA to help you get maximum leverage in real estate and fundability, making sure you dot your I’s and cross your T’s. In particular, they dive deep into your IRA and examine whether or not it is costing you money that you’re not even aware of. He talks about self-direction, your retirement plan, how it is a tax deferral vehicle, and why you should add it to your toolbelt. Join Merrill and Jack in today’s conversation to know more about leveraging your IRA’s the best way you can.

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Using The Slingshot Strategy For A Better 2021

Tue, 20 Oct 2020 10:00:00 GMT

This year seemed to be so long that would you believe we are now nearing the end of 2020? Before it catches up to us, start preparing the right things to make sure you’re making fundable decisions that will protect your fundability in the years to come. To help you with that, Merrill Chandler welcomes you to the three-part Year-End Business Planning series. Kicking it off, he discusses how to use the Slingshot Effect for a better 2021, prepping to close down 2020 and launch into a hardcore and prosperous next year. Merrill also shares how you can prepare for better funding and plan for the Holidays without hurting your fundability.

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Avoiding Student Loan Landmines

Mon, 28 Sep 2020 10:00:00 GMT

Student loans are designed to help students pay for post-secondary education and the associated fees. It can come from the federal government, from private sources such as a financial institution or a bank, or from other organizations. Today, Merrill Chandler shares how student loans contribute to your fundability and your entire borrower profile, as well as a good installment loan portfolio. More importantly, he talks about the many landmines associated with student loans, the mistakes that we easily make – both going into student loans while they’re in deferment and coming out.

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Black Market Website Surveillance

Tue, 15 Sep 2020 10:00:00 GMT

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 shouldn’t have to, if you know how to set your PBID properly, that is. Merrill Chandler explains how you can do this and directs you to some useful resources that can help you in this regard.

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The Secret To A Successful Banking Relationship

Wed, 09 Sep 2020 10:00:00 GMT

What do banking relationships and romantic relationships have in common? You’d be surprised to know how being fundable is, in a lot of ways, being dateable. Join Merrill Chandler as he finally gets into a full discussion of a metaphor that he has been using over the years. From checking out prospects, to dating and courtship, getting engaged and getting committed, banking relationships are all about open and honest communication between lender and borrower, much like in romantic relationships. So uncanny are the similarities that the only real difference between personal and banking relationships is that with the latter, you can be polyamorous and get away with it. Listen in and learn how you can have the makings of a deep, mutually-respecting business lending relationship.

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How To Freeze And Unfreeze Your Accounts

Mon, 07 Sep 2020 10:00:00 GMT

In the world of fraudulent applications and stolen identities, one of the things that the credit bureaus and lenders have put into place is a security freeze. It’s when they put a freeze on your credit profile if there’s been some fraudulent activity or somebody opened an account in your name. In this episode, Merrill Chandler goes over what a security freeze looks like and teaches us how to freeze and unfreeze our accounts in case there is a problem.

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Financial Literacy vs. Borrower Education

Fri, 04 Sep 2020 10:00:00 GMT

There is no shortage of financial literacy resources out there, but do they really teach you what you need to know if you’re looking to get fundable as a borrower, especially in these tough times? In this episode, you’ll find out that there is a vast difference between what we consider to be financial literacy and what borrower education really should be. Join Merrill Chandler as he analyzes some of the most commonly-used resources that people use to teach financial literacy. Merrill takes each of them apart and shows us where they got things right, where they aren’t quite relevant and where they got things blatantly wrong. If you want to get fundable, your credit ratings are everything and you should learn how to plan well ahead into the future about how you can keep them as tidy as you need them to be. Real borrower education should reflect that need – something that financial literacy isn’t exactly doing a good job of providing right now.

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How UCC Liens Can Destroy Your Chances of Being Fundable

Tue, 01 Sep 2020 10:00:00 GMT

Getting a loan from a bank? You might want to look at their UCC lien policy first. What is a UCC lien and how does it affect your fundability? In this episode, Merrill Chandler takes a deep dive into the definition of UCC liens, how they can destroy your chances of being fundable and what you can do to fix it. He also teaches you where to look for UCC liens in some of the biggest credit reports. This is an extremely detailed and technical episode, so take the liberty to take notes!

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The Creative Strategist

Mon, 10 Aug 2020 10:00:00 GMT

We all have a creative side and a strategic side, and most of us tend to veer towards one or the other. To really succeed, however is to get in that place of genius, and genius all about being a creative strategist. What is a creative strategist, exactly? In this 100th episode of the Get Fundable! Podcast, Merrill Chandler pivots from the tactical approach of the last 99 episodes and takes a minute to talk about the end game. Join in as he explains the need for every one of us to strike that perfect balance between the creative and strategic and show up more powerfully in the world in whatever we do. Plus, see what Merrill is up to in his next book.

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Are You In Alignment With Your Vision? With Mark Dolfini

Tue, 23 Jun 2020 10:00:00 GMT

As we move through the stages of growth, we sometimes fall into the shiny objects trap. We chase the shiniest thing in front of us that we forget about where we want to go in the first place. If you are ready to take borrowing to the next level, then you better learn how to ramp up your fundability while also keeping your vision intact. Merrill Chandler and his guest, Mark Dolfini, the founder of Landlord Coach, LLC and author of The Time-Wealthy Investor, take you from small business borrowing into a discussion about commercial level borrowing. Mark breaks down the dos and don’ts in the process and shares how your fundability gets positively or negatively impacted by it. He gives us an in-depth look at what is happening in the commercial lending markets and how these things will affect real estate investors. Through his book’s fascinating VIP model that is used to coach landlords, Mark provides some great insights to help us become a desirable borrower to these banks, especially for those in the do-it-yourself game. He zones in on the importance of being in alignment with your vision; otherwise, you’ll end up further down from where you want to be. Be fundable and lendable not only in the small leagues but also in the big leagues while staying in alignment with who you are. Follow along in this episode to learn more.

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If You Have A Good Lender, They’re Doing This…

Tue, 02 Jun 2020 10:00:00 GMT

There is a new lender playbook that is radically different than any other recession or depression in the past – a new financial data that is completely opposite of what has ever existed in the past. In fact, there are attitudes being expressed by lenders and by borrowers that have never existed before at the same time. On today’s show, Merrill Chandler takes a closer look at these paradoxes that exist right now in the financial world, especially involving lenders, as well as the importance of the lender-borrower partnership.

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17 Questions Intelligent Home Buyers Ask With Jennifer Hammond

Fri, 29 May 2020 10:00:00 GMT

Getting a mortgage is painstaking work, but with the right broker at your side, things can be made so much easier. Today’s guest explains why it is essential to ask your mortgage broker some brutally honest questions so that you can work towards a win-win setup. Joining Merrill Chandler on the podcast is Jennifer Hammond, a real estate executive at TTR Sotheby’s and talk show host at SiriusXM satellite radio. Jennifer and Merrill go over the 17 questions you should ask your mortgage broker and reflect on how important it is to ask these questions, especially during this pandemic. Whether you’re going for your first mortgage or a refinance, the choice of the right mortgage broker can make all the difference as you go through the process. Make sure you know what to ask your broker to get the best out of them.

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Quadruple Ds… It’s Not What You’re Thinking

Thu, 28 May 2020 10:00:00 GMT

When you get onboard into a marital relationship with someone, it only makes sense to have joint accounts, right? Wrong. As it turns out, there is absolutely no reason for a joint account, especially around revolving credit, and having one can cause you serious problems in the future. In this episode, Merrill Chandler talks about how divorce, death, and disability impact your relationship with your lender. He enumerates every reason why having a joint revolving account with your spouse could potentially ruin your credit profile should things turn out for the worse. Listen to the podcast and learn why it is absolutely time to divest your joint accounts now.

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The Fundability Freedom Path

Wed, 27 May 2020 10:00:00 GMT

It is so easy to think about freedom in the context of being able to do whatever we want. However, it is so much more than that. Merrill Chandler breaks the truth to us about what it takes to create freedom, particularly the freedom to masterfully create anything you want. He goes philosophical and talks about its relation to building up that competence and confidence and learning to express ourselves with the best of our abilities to be fully free to enjoy the results of our labor. Get inside this great episode to learn how you can start creating freedom for yourself while being masterful about your practice, including your fundability game.

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The Woes of a 30 Day Late

Tue, 26 May 2020 10:00:00 GMT

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 affect the score? How long does it take to recoup? Merrill gets into those questions and gives you an answer while giving you a view on the degradation process, short sale, foreclosure, and more. He then shares some recession-proofing strategies that can especially come handy during this time.

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Forget The “New Normal”

Mon, 25 May 2020 10:00:00 GMT

The so-called “new normal” in the wake of the COVID-19 pandemic is hotly debated among people all over the world. As is natural, people have varying visions of how we should recover and recuperate. Still, the main sentiment that runs through all these opposing ideologies is that we have to move forward somehow. Merrill Chandler shares what he believes the new normal should be post-COVID-19. We might be staggered at the various ways the world changes after we’ve somehow mitigated the pandemic, but we’ve got to roll with those punches. The new normal has to be one where we collectively move forward into a future with more kindness, compassion, outreach, and safety.

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The #1 Transparency Secret to Getting Approvals

Sat, 23 May 2020 10:00:00 GMT

Most business owners are of the belief that whatever goes on in their business should stay under wraps—the only people privy to the information being within the company. But that approach has some severe drawbacks when it comes to your finances, and with the need for many small businesses to take out loans, sooner or later, your company will have to bare it all. Merrill Chandler is joined by Tom Hazzard, the Co-Founder and CEO of Brandcasters, Inc. Together, Merrill and Tom talk about why transparency in business can only help your fundability. This is an important subject, so make sure you don’t miss this conversation.

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Can You Really Trust Your Gut?

Fri, 22 May 2020 10:00:00 GMT

One of the ways people who are new to a certain field or industry can do to become successful is to take advice from those who have been around the block and know the ropes. But where do you draw the line between taking advice and listening to the voice inside of you? Merrill Chandler teaches you how to determine when taking advice, whether about fundability or not, from someone else is the best path for you. It’s all a matter of learning to play things by ear and adjusting your approach when needed. Don’t miss out on this great learning opportunity provided by Merrill.

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Crisis: Your Time To Shine

Tue, 19 May 2020 10:00:00 GMT

There is always a beautiful version of yourself. Discovering it may be a challenge but can be worth your time and effort. Merrill Chandler takes us into an emotional realization of seeing the light in these dark times. Those experiences where limitations create new and greater opportunities. In this episode, Merrill reminds us of the opportunities we have despite the global financial crisis. He believes that even the darkest night can be turned into the brightest light.

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Can Using The Right Inquiries Get You More Money?

Mon, 18 May 2020 10:00:00 GMT

How can you improve your game as a professional borrower? The answer lies in using the right inquiries. In this episode, Merrill Chandler talks about inquiries and how they affect your score and fundability. During this financial crisis, inquiries can also greatly affect how you run and grow your business. Merrill highlights FICO’s de-duping method and the different phases and kinds of inquiries that you need to put to heart.

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The Truth About Authorized Users

Fri, 15 May 2020 10:00:00 GMT

What are authorized users? In this episode, Merrill Chandler takes a more in-depth look into the truth about authorized users. There is so much misinformation about authorized users, especially now with so much personal or global financial crisis. What you do and how you allow other people to interact, or how you interact with other people’s accounts can be a deal-breaker. Listen to Merrill as he shares some details about why you should allow any authorized user for your accounts or not. Also, take note of how they can affect your financial profile.

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Keeping Hope In A Crisis

Thu, 14 May 2020 10:00:00 GMT

A financial crisis seems to be just around the corner, but if you’ve played your cards rights up to this point, then you’re probably poised to do well instead of losing out. A financial crisis, if you’re ready for one, opens up opportunities, so you’ve always got to be ready to jump at those opportunities. Merrill Chandler talks about keeping your fundability alive so you can thrive in the middle of a financial crisis. Have hope, and don’t miss Merrill’s sage and timely advice!

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Can “Paid As Agreed” On Your Credit Report Hurt You?

Wed, 13 May 2020 10:00:00 GMT

In the world of lending, three simple words can affect your future in ways you might not realize: paid as agreed. The impact these three words can have on your fundability is massive, so you have to get familiar before you take any big gambles. Merrill Chandler dives into the repercussions of having the words “Paid As Agreed” on your credit report. Times are getting tough in the lending world, so you have to make sure you can get out there confident in your fundability. Let Merrill guide you through this, and how this limits your choices down the line.

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The SIC Code Mess With Tom Hazzard

Tue, 28 Apr 2020 10:00:00 GMT

Tom Hazzard is the CEO and Co-Founder of Brandcasters, Inc, a podcast empire delivering an end-to-end service that produces, publishes, and promotes podcast shows. In this episode, Tom joins Merrill Chandler to talk about industry discrimination and the SIC code mess felt by businesses like Tom’s Brandcasters, Inc. With the current global health issue, it has become very crucial to learn how your business will get affected by it. Tom and Merrill discuss why businesses that fall under 75% of the world’s SIC codes are being denied funding. Furthermore, they also talk about the two industry classification systems and the importance of falling into fundable categories.

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Economic Injury Disaster Loans: The Latest Updates With Jessica Tabora

Mon, 27 Apr 2020 10:00:00 GMT

Businesses around the world, be it big or small, are equally affected by the Coronavirus. Fortunately, there are still disaster loans available to help mitigate some of the costs that businesses still incur despite lockdowns. In this episode, Merrill Chandler is joined by Jessica Tabora, a Business Manager at CreditSense, to discuss fundability despite the rise and fall of the economy. Jessica enumerates the three different loans that can be availed by businesses—Paycheck Protection Program (PPP), Economic Injury Disaster Loan (EIDL), and Express Bridge Loans (EDL). Currently, lenders are tightening up lending protocols but are still lending to dependable borrowers. That is why if you are thinking of applying for a loan, you must evaluate your need because lenders can eventually see that and may affect future fundability.

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The New FICO — FICO 10

Fri, 24 Apr 2020 10:00:00 GMT

With the new FICO 10 around the corner, Merrill Chandler goes ahead and gives a refresher in this episode. Getting into the history of FICO to enumerate the changes implemented over the years, he proceeds to share his bootcamp that will deep dive into FICO 10 and give you all the tools you’ll be needing. He also talks about the changes that are worth taking note of when you’re looking to increase your fundability and discusses in detail how FICO will be tracking your account management, its impact on your fundability, and how to use it to your advantage. Learn how FICO can be predictable and what it means for you.

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Lender “Miss-A-Month” Payment Offers

Thu, 23 Apr 2020 10:00:00 GMT

With the Coronavirus pandemic, major banks are allowing clients to skip payments for April. In this episode, Merrill Chandler refers to one of his Facebook Lives, which was a Q and A session where he was presenting the Miss-a-Month Program. Answering a concern from someone on the validity of banks allowing them to skip payments for the current month, Merrill elaborates on these miss-a-month payment offers given by tier two and three banks. Decide if you should take advantage of this offer or not as you listen further to Merrill’s wise coaching on how you can live your funding life in this crisis.

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Crisis Insights From An Asset Protection Expert With Aaron Young

Wed, 22 Apr 2020 10:00:00 GMT

Many people are on a mission to accrue as much wealth as they can secure for themselves, but they don’t realize that they should start by answering the question of how they can protect that wealth. Asset protection is often neglected in the discussion of acquiring wealth, but that has to change. Merrill Chandler is joined by Aaron Young, an asset protection expert. Together, Merrill and Aaron illustrate some of the best tips and techniques for protecting the wealth you’ve worked so hard to build. Get on these strategies as soon as possible because you’ll never know what could happen in times of crisis.

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Decisions For Success During A Crisis With Brad Burnett

Fri, 10 Apr 2020 10:00:00 GMT

During a crisis, you have to be equipped to make the choices that will positively benefit you in the long run, instead of panicking in the present and running out of resources for the future. In order to make the best possible decisions for success, you must be ready for all your worst-case scenarios, and be smart about how you’re going to go about everything. Merrill Chandler is joined by Brad Burnett, the COO and Senior Business Strategist of CreditSense. Merrill and Brad talk about getting properly informed before making decisions that have a huge bearing on your future. While the best-laid plans are made before a crisis hits, any preparations you make are important, so don’t miss out.

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How a Pandemic Impacts Your Fundability

Thu, 09 Apr 2020 10:00:00 GMT

Smart planning is all about having an attractive and fundable credit profile already in play before any disaster. Unexpected events that reverberate throughout the world such as catastrophes or pandemics can mess up the goals you’ve set for yourself in unexpected ways, and that includes your goals for fundability. Merill Chandler discusses smart planning and what you need to do to make your fundability plans disaster-proof. A little bit of planning goes a long way, and that goes double for smart plans that are well-thought-out with contingencies built in for almost any case of emergency.

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Inside the Mind of a Mad Scientist

Wed, 08 Apr 2020 10:00:00 GMT

Let’s go behind the scenes of how Merrill Chandler helps clients with their fundability questions. In this episode, Merrill shares his conversation with one of the CreditSense Solutions Coaching clients where he answers a question that must also be pressing those who are building their QFE (Qualified Fundable Entity): “What do I use the money for?” Merrill lays down the rules of engagement of using the money and shares some business instruments to consider. On branching out away from the W-2 income, Merrill then gives advice on jumpstarting the path to becoming a business consultant. Don’t miss this rare opportunity of hearing this insider client call!

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Life And Times Of A Collection Account

Wed, 25 Mar 2020 10:00:00 GMT

What is a collection account? In this episode, Merrill Chandler takes us to a deep dive into what’s the life story of a collection? What is its impact on our fundability, our profiles, and collection accounts? How do they become a thing? How can we help them go away or cause bureaus to do so after we audited our profiles? Listen intently as Merrill gives everything you need to know about collection accounts, its two kinds, and some myths that need to be busted out there.

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UltraFICO & Experian Boost

Tue, 24 Mar 2020 10:00:00 GMT

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 make you more fundable? Merrill gets down on UltraFICO and Experian Boost, which is offered by Experian but uses FICO. He also reveals what appears to be an awesome opportunity for one credit bureau.

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Principles Of Success…An Honest Look

Mon, 23 Mar 2020 10:00:00 GMT

Everyone has triggers: things that push them outside their comfort zone, force them to confront something they don’t want to and make them uncomfortable. While on the surface, triggers might not seem all that helpful, each one is actually an opportunity for growth beyond yourself. Merill Chandler dives into one of the most important principles of success: being able to tread outside of your idea of comfort. Sure, being comfortable, for the most part, is also being safe, but an inability to bush your own boundaries outwards also guarantees that growth never comes to you. Let Merill show you why you should always say yes to these opportunities for growth.

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Into The Matrix With Kirk Wettschreck

Fri, 20 Mar 2020 10:00:00 GMT

They say that the first step of any journey is the most important and most difficult step, and the same definitely holds true for improving your fundability. Getting started down the path of fundability can be tricky, but whether your personal profile is buried in bad credit or virtually non-existent, it’s never impossible. Meet Kirk Wettschreck – a husband, father, real estate investor and business consultant with Sterling Oaks Consulting. He joins Merill Chandler to share his experience of initiating the process towards improving his fundability. Entering the world of fundability for the first time can be a little confusing – like going into The Matrix – but rest assured, with the right knowledge and tools, it can be a breeze in a snap.

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The Social Security Scam That Has Become a Crisis…

Fri, 06 Mar 2020 10:00:00 GMT

Scams have always been a part of history, whether it’s in business, employment, and even elections. This time, a scam involving social security to get your attention is circulating, and people must be made aware. Merrill Chandler raises awareness by spreading the news, going into detail, and breaking down the scammer’s MO. He talks about the people who could be most susceptible to scams and how we can help them instead of judging. Understand how it’s like to be on the other end of the barrel when a scam is directed at you, know how you can avoid it, and react the best way possible.

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How To Prepare Your Fundability For A Recession

Mon, 02 Mar 2020 10:00:00 GMT

A lot of experts agree that the next recession is not a matter of ‘if,’ but a matter of ‘when.’ During trying times, making sure your credit profile is protected as early as possible poses no harm and allows you to reap all the benefits it has to offer. Merrill Chandler gives a subtle reminder of what occurred during the previous recession and shares the development and what to expect from FICO on the move forward. He places emphasis on the importance of knowing what behaviors are being monitored when it comes to credit and explains the impacts of each. In this episode, learn specific and working strategies on how you can protect yourself and your assets before worse becomes worst.

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A Get Fundable! Look At Mint

Fri, 28 Feb 2020 10:00:00 GMT

If you’re part of Mint’s mailing list, you might have received an email that claims to help you kick off the year with a brand new credit score. Merrill Chandler is here to remind you not to fall into that landmine. In this episode, he discusses how that email is more of an advertisement rather than informative and beneficial for you. He starts off by discussing what Credit Karma is and how Intuit uses it to gather your credit information. He goes on to say how a lot of companies that claim to get you out of debt actually gets you into even more. These are only some examples of seemingly innocent but dangerous landmines that you might fall into if you’re not careful. Don’t be fooled by flashy and too good to be true offers. Let Merrill and his group of funding hackers guide you to becoming fundable.

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The Life And Times Of A Failing Credit Account

Wed, 26 Feb 2020 10:00:00 GMT

A failing credit account is absolutely bad news for your fundability in the long run. Just one mistake can cause your account to fall into a continuous state of degradation, accumulating points you could have avoided. Merill Chandler discusses what having a failing credit account means and how you can ultimately avoid it. Don’t let one mistake dictate your fundability forever! Make sure you’re rectifying any errors that can be fixed while you still have time.

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The Black Holes Of Success

Mon, 24 Feb 2020 10:00:00 GMT

So you’ve hit the jackpot, found success in whatever field you’ve chosen, and are beginning to find your bliss. What now? The problems of the successful are a completely different ballgame than those you might encounter when you’re still looking for success. Merill Chandler talks about the black holes of success and dives into the problems that a successful person might not see happening before their very eyes. Everyone has their blind spots, but when you’re allowing yourself to bask in the warm afterglow of your hard work, those blind spots may be magnified without you even realizing it. Don’t let your success lead you to a black hole that it may be hard to get out of.

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The Consumer Protection I Bet You’ve Never Heard Of…But You Need To

Fri, 21 Feb 2020 10:00:00 GMT

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 what can and cannot be listed on our credit profile when doing an accuracy audit or when having someone do it for us. In the GetFundableBootcamp.com, he also talks about consumer protection and the breach that credit bureaus have, following up with a ruling called the National Consumer Assistance Plan. Merrill teaches us how to do this in the book, as well as the parameters for doing this. Here, he will also share the legal opportunities for you to verify what is accurate and what is not on your profiles.

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Legally Changing Your Name With Dehlila Claire

Wed, 19 Feb 2020 10:00:00 GMT

Are you investing in fundability optimization for yourself? If not or your efforts seem to cut short, then this episode is especially for you! Bringing in one of Merrill Chandler’s senior advisors, the CreditSense Advisor Team 1, he sits down with Dehlila Claire. Together, they talk about some of the personal choices Dehlila has made that highly impact her fundability. In particular, she tackles the topic about name changes—not only in its effect on your fundability but also on the process you need to take on. At some points in our lives, and under different circumstances, we are faced with the decision to change our names. Know what to do when the time comes that you are faced with this situation. Get your names legally in order without harming your fundability and, better yet, improve it.

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The Real ID Act

Mon, 17 Feb 2020 10:00:00 GMT

The REAL ID Act has been a long time coming, and now that it is here, Merrill Chandler takes you into a deep dive into understanding the facts and fiction about it. He talks about the important things you need to know and whether it matters or not. Merrill drops right into a complete review of what the REAL ID Act is and the workarounds that exist. Gathering from his experience, he then shares some of his own stories that describe what it does. Know more in this episode.

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The Truth About the Credit Game

Wed, 12 Feb 2020 10:00:00 GMT

Credit has long existed with its interesting history from the old merchant’s association to Henry Ford and Mr. Singer creating the first installment plans. In this episode, Merrill Chandler talks about the insider secrets to the credit bureaus’ playbook. Taking us behind the scenes, he pulls back the curtain on credit bureaus and their motivations. He also shares some credit bureau “loopholes” and how we can avoid them.

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The Banking Game…Have You Been Lied To?

Mon, 10 Feb 2020 10:00:00 GMT

We use money every day but most of us do not know its history and evolution. In this episode, Merrill Chandler talks about the origins of money and how paper money and credit has taken over the original intent for which money was designed – going through the Roman times into the medieval times, the Renaissance, and into modern banking. He also deep dives into the lender’s playbook. Don’t miss this episode to understand where it all started.

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Into The Madness Part 5: How To Get Bigger Approvals With Your Experian Data

Thu, 06 Feb 2020 10:00:00 GMT

In the credit and lending space, exhausting data about a client’s fundability is crucial. In this final installment of Into the Madness, host Merrill Chandler deep dives into credit profile, consumer disclosure, and myFICO. He takes us through the details of an Experian consumer disclosure and how it records all the salient information that is used in a 24-month lookback period and evaluated by FICO and by lender software. He also notes the importance of the synchronization between all three credit bureaus – namely, Experian, TransUnion, and Equifax – to suss out the truth and send in our accuracy audits.

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Into The Madness Part 4: How To Get Bigger Approvals With Your TransUnion Data

Wed, 05 Feb 2020 10:00:00 GMT

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 FICO and lender software use to approve you and will give you higher or low rates or higher or low approvals. In this episode, Merrill Chandler gives us a look at how credit bureaus, specifically TransUnion, list their raw data and how you can understand what they’re saying, why they’re saying it, and how this information makes you more fundable get bigger approval points.

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Into The Madness Part 3: How To Get Bigger Approvals With Your Equifax Data

Tue, 04 Feb 2020 10:00:00 GMT

As the adage goes, there is more to something than meets the eye. The same is true when it comes to our fundability. In this third installment of the Into the Madness series, we continue on understanding our consumer disclosures by zoning in and taking a deep dive on Equifax. Host, Merrill Chandler reviews a sample file to show you the ropes of getting bigger approvals with your Equifax data. We need to know what the credit bureaus are reporting about us and understand the data points that are either getting in the way or adding to our fundability. Merrill has a list of examples and scenarios that come in handy for your approvals. Love the show? Subscribe, rate, review, and share!

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Into The Madness Part 2: Ordering Consumer Disclosures

Mon, 03 Feb 2020 10:00:00 GMT

Getting access to all of your raw data files directly from the credit bureaus can be tricky; but with Merrill Chandler’s help, it doesn’t have to be. Continuing with the second part of the Into the Madness series, Merrill guides us into the process of ordering consumer disclosures. Here, he discusses how you fill out the form properly to order free consumer disclosures that are authorized by federal law. He goes through one by one the information you need to input across Equifax, TransUnion, and Experian. Don’t miss out on the important things in this sometimes maddening process. Take note of what Merrill’s going to show you in this episode. Love the show? Subscribe, rate, review, and share!

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Names Have Been Changed To Protect the Innocent

Tue, 28 Jan 2020 10:00:00 GMT

On today’s show, Merrill Chandler dives right into what is happening in the Get Fundable world and how people can continue to be a part of that. Explaining the need to change the name of the show from Are You F*able to Get Fundable, Merrill emphasizes his continued commitment to waking people up to their greatness, to their financial dreams, and to making sure that they can have everything that they want in their financial lives through the show. At the end of the day, it takes everybody from Get Fundable and all the audience to build the vision and walk the steps to fundability success.

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Into The Madness Part 1: Capitalizing On FICO’s Stronghold On The 90%

Tue, 14 Jan 2020 10:00:00 GMT

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 to us what is serious delinquency, where one’s debt limit is based on, and how evaluating different criteria between bureaus are done. Join Merrill as he takes us deeper to FICO’s power, how you exercise your rights under the fair credit reporting act and feel free to dispute, and so much more.

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Who’s In YOUR Dream 100? With Jessica Guisinger Tabora

Mon, 13 Jan 2020 10:00:00 GMT

There are so many factors to fundability, so it’s appropriate that there be so many fundability services, or at least services related to fundability, out there. Everybody has a different need, and different people and firms specialize in different services. Along with one of his partners at CreditSense, Jessica Guisinger Tabora, Merrill Chandler runs through some of the best people, companies, and services out there that he’s able to work with and have even appeared on Are You F*able. Get a pen and paper ready because there’s a lot of great companies you could be working with on fundability today!

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Strategies Your CPA May Not Even Know

Fri, 10 Jan 2020 10:00:00 GMT

How much money do you and your company burn paying taxes on various things year in and year out? Saving on taxes can be relatively easy—that is, if you’re working with the right strategies. Merrill Chandler discusses some techniques to help you get huge savings in taxes that will build over time. Imagine how much more money could be circulating in your company! Let Merrill teach you some great ways to do so that your CPA may not have even considered.

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When The Tech Doesn’t Matter

Tue, 24 Dec 2019 10:00:00 GMT

Why are you in the business that you’re in? Today, Merrill Chandler challenges us to fill our hearts with love by filling our time with our loved ones instead of the tech and gadgets all around us. This episode can act as a guide to discovering the why behind our desire to get more money and fulfill our financial dreams. Remember to always invest in your why and go back to those who are valuable to you and fill your soul with the love you deserve.

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Take The Win!

Mon, 23 Dec 2019 10:00:00 GMT

Celebrating wins boosts your drive towards doing more good deeds for others. In this episode, Merrill Chandler takes a deeper look at some of the things that’s been happening recently in his life and how they’re impacting his fundability. Using the journey to publish his book as an example, he talks about how to take the wins. Celebrate more wins with Merrill as he reminds us the importance of people surrounding us to make our successes possible.

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Brad Burnett And Krista Mashore on Credit Profiles, Credit Reports, And Revolving Accounts

Fri, 20 Dec 2019 10:00:00 GMT

The more fundable you are, the more affable you are. In this episode, Merrill Chandler is joined by business strategist Brad Burnett and real estate coach Krista Mashore to discuss what it takes to be more fundable, how to maneuver and navigate revolving accounts, and many more topics related to building your credit profile. Don’t miss this exciting Facebook Live Q &A episode to learn how you can ask the right questions about your credit profile and to understand the source of credit reports such as your monitoring service.

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Interview With A Millennial Investor, Sharon Chandler

Thu, 19 Dec 2019 10:00:00 GMT

Investor attitude has changed across generations. Today, Merrill Chandler proudly interviews his own daughter, Sharon Chandler, about building her credit profile. Sharon has been teaching Millennial investors like her about the right way to invest in this modern economy. Here, she shares her knowledge on credit and how to build perfect profiles from the ground up. Join Merrill and Sharon as they share some tips on making children and the young generation become financial independent.

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Five Fundability Killers Of The Holidays

Wed, 18 Dec 2019 10:00:00 GMT

It is the holiday season, and many of us are going to be spending a little extra on gifts and other activities. Just as our pockets become vulnerable at this time of the year, our fundability may suffer, too. For this episode, Merrill Chandler shares the five fundability killers of the holidays. He goes in-depth into the rabbit hole you may find yourself in as you go out to shop and swipe your credit cards. Listen to what Merrill has to say and avoid these deadly practices that can harm your fundability.

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Uncovering What FICO Really Measures

Wed, 11 Dec 2019 10:00:00 GMT

Banks and smaller businesses rely on FICO to measure our credit line with their algorithm. That is why it is important that we have some knowledge with regards to how we are being measured as it would give us an edge to have a better credit score and make us more fundable. Host Merrill Chandler the FICO algorithm and what they really measure, revealing the 150 borrower behaviors that can affect your fundability.

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Into The Black Box: An Interview With FICO Liquid Credit Liaison, David Smith

Tue, 10 Dec 2019 10:00:00 GMT

A lot of people are unaware of how FICO calculates credit scores. In this episode, host Merrill Chandler interviews David Smith, a FICO Liquid Credit Liaison, about how one can have a better credit score to make themselves and their business more fundable. Don’t miss this episode to discover the things that you need to watch for in business credit scoring and how things are going to roll out over the next few months and years.

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“We Are The Crazy Ones…” With Guest Co-host Brad Burnett

Mon, 09 Dec 2019 07:00:00 GMT

The world of lending and borrowing is constantly changing, and thus the techniques for securing loans also evolves. Funding hacking is one of the ways through which one can stay on top of the game. Joined by the CMO and Chief Funding Officer of CreditSense, Brad Burnett, Merrill Chandler gets into the nitty-gritty of the concept of funding hacking and the many ways it occurs in the financial world. This so-called hacking comes in many different forms, so you need to be smart and vigilant with how you can go about it. Listen to this episode to learn more about this unique offering and how it can help you today!

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Why FICO Matters With Jessica Tabora

Fri, 06 Dec 2019 10:00:00 GMT

Your FICO score might just be one of the most important elements of your credit application. Because so many lenders use the FICO system, it might be best for you to get acquainted in the ways you can help the system see you as a better applicant. Merrill Chandler is joined by Jessica Tabora, a business manager at CreditSense. Merrill and Jessica run through the ways FICO matters in your credit application and how you can keep up the appearance of a stronger credit applicant. After all, you want to succeed as much as the FICO system wants you to succeed.

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Value Of Team Members To Company Versus Market Value

Thu, 05 Dec 2019 10:00:00 GMT

Every employer has a fiduciary responsibility not only to their company as a whole but also to their individual team members. Part of this fiduciary responsibility is having a sense of realism about employee value within your company as opposed to the job market. Merrill Chandler makes a case for every employer’s responsibility to manage their employees’ expectations about their value in the job market. Make sure your employees know how valued they are within your company or organization, but be careful about their understanding of their market value as well. It might just be a recipe for financial disaster.

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Data Breaches

Wed, 04 Dec 2019 10:00:00 GMT

Every time we’re online, there’s a risk of our personal information being exposed through data breaches. These breaches can get pretty nasty, hitting you where it hurts most. Merrill Chandler gets into how these more risky data breaches happen and how you can protect yourself, especially in relation to your credit application. On its own, applying for credit can be a hard enough process. Imagine compounding that difficulty with someone pretending to be you chipping away at your chances of approval? Get smart and get ready to protect yourself from these data breaches today!

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Best Rewards Approval Ever

Tue, 03 Dec 2019 10:00:00 GMT

To potentially become more fundable and get the best rewards approval out of our credit line, we have to align ourselves with funding behaviors. We also have to keep in mind the nitty gritty in the documentations that come with it. Merrill Chandler discusses how you should go over your fine print and find out what they’re going to hold against you if you do certain behaviors.

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How to Ruin Your Credit…And Save 10% On Your Next Purchase

Fri, 29 Nov 2019 10:00:00 GMT

With some of the biggest gift-giving holidays coming up, merchant cards are back in season. These cards you get during your holiday shopping nab you discounts or free stuff, but do you know that there’s also a hidden risk to using them? As a borrower, your credit rating is one of your most valuable assets. If you mess with that, you ultimately make yourself unfundable. Learn how to best protect this all-important asset when you go shopping this holiday season.

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How To Order Business Credit Reports And Spot Deal Killers And Red Flags

Wed, 27 Nov 2019 10:00:00 GMT

In this episode, fundability expert Merrill Chandler teaches you how to order business credit reports so you can spot deal killers and red flags. Using CreditSense, LLC, follow his step-by-step guide on which options to choose, what data to input, and how much to pay for them.

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Is Gender Bias Affecting Your Approvals? With Tracy Hazzard

Wed, 27 Nov 2019 10:00:00 GMT

Are you aware that gender bias is affecting lending approvals? In this episode, Tracy Hazzard, Inc. Magazine Columnist and podcast content strategist, talks about how gender bias affects women when it comes to approvals and other sector of ethical subjects. Tracy provides insights on how to change this code-based problem to make women and other communities more profitable. Join Tracy as she imparts her knowledge on how to design algorithms with filters to learn more about the world of biases and why you need to question your understanding of these processes in finance points to know what they are.

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Merrill’s Rant: A Modern Day Witch Hunt

Tue, 26 Nov 2019 10:00:00 GMT

In this modern era, people perceive financial algorithms as witchcraft because they don’t understand the first thing about it. Even the frontline lenders’ staff do not know how algorithms decide fundability or funding approvals. However, it’s been proven over and over again that technological advances are not necessarily evil. In this episode, Merrill Chandler talks about the things we need to understand about algorithms and what they are designed for. He also tackles Goldman Sachs’ alleged gender bias in Apple credit card limits.

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Dissecting The Authorized User Strategy

Thu, 14 Nov 2019 10:00:00 GMT

What can you reap from using the authorized user strategy? In this episode, Merrill Chandler and Co-Host Brad Burnett exchange insights as they answer questions related to this strategy. While the unholy trinity of credit reporting surfaces in the topic, they discuss about the organic evolution of credit from farm tabs to its formal industrial extension up until what it is today. They also note how the FICO system comes into play and take a deep dive into the authorized user strategy for newbies and how it can possibly blow up your profile. Learn more as they discuss about how you can ward off creditors from making more money from you.

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How Your Data Points Impact Business Credit Approvals

Wed, 13 Nov 2019 10:00:00 GMT

Always at the bleeding edge of the fundability sword, Merrill Chandler guides you away from the landmines that will blow up your credit approvals. In this episode, Merrill dives into the necessary things you need to do before submitting your business credit application. He lays down the step-by-step process on how your data points impact your approval, covering all the bases that will help you become a professional borrower and play the funding game with lenders.

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The Other 20%: Your Business Data

Tue, 12 Nov 2019 10:00:00 GMT

Besides the 80% that FICO requires from your personal credit profile, do you ever wonder about the other 20% they are measuring? In this episode, host Merrill Chandler dives deep into this 20% that will round up your fundability. If your personal credit identity is your 80%, then the 20% has to do with your business identity. Merrill shares with you how FICO uses your business data to evaluate you and lends some great insights into the world of measuring your business identity for your maximum fundability.

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Funding Entity Strategies

Mon, 04 Nov 2019 10:00:00 GMT

Seeking to become a fundable business is necessary for growth. In this episode, Merrill Chandler continues disrupting your fundability beliefs as he talks about several funding entity strategies and the fundable entity types you need. Sharing some examples, he outlines the different strategies that you can apply, noting how different approaches depend on the size and scope of your funding objectives. He also clarifies the difference between a state business entity and a tax designation.

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Business Credits Funding: Why Business Lenders Will Not Lend To You

Fri, 01 Nov 2019 10:00:00 GMT

Did you know that the way you fill out an application in an attempt to get a business credit card or credit line is creating the opportunity for lenders to deny you? In today’s episode, Chief Strategist Merrill Chandler talks about the mysteries in business funding and the reasons why lenders will not lend to you. Merrill provides insights on how to frame you as a business and your relationship with your business. Join Merrill Chandler as he imparts his knowledge on how you can speak the language of lenders and play their game.

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Game-Changing Loan Strategies

Thu, 31 Oct 2019 10:00:00 GMT

Do you want to be a Rockstar borrower? In this episode, Merrill Chandler continues his discussion on installment loans. He points out that using the rules of the game can show lenders that you are a superstar borrower. Comparing traditional auto loans, he shows how choosing the right lending schemes can contribute to your fundability. He also shares scenarios that exemplify these loans and how you can make current and future lenders proud. Listen to this episode to know more about game-changing loan strategies, loan value, utilization, and satisfying FICO reports.

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Maximizing The Value Of Your Loans

Wed, 30 Oct 2019 10:00:00 GMT

This is a follow up on the episode about installment loans contributing to the weightiness of your credit profile. Today, Merrill Chandler shows how the system can support you in tripling fundability points for every single installment loan. Educating us on maximizing loan value, he shares insider secrets that allow such loans to blow up in the most powerful and positive way. Become eligible and take home the most amount as Merrill discusses enhancing your loan value when FICO can contribute score points, and so much more!

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The Truth You Trust: An Honest Review of Nav

Tue, 29 Oct 2019 10:00:00 GMT

In this day and age, everyone can be lured by fake business credit and schemes. It’s up to us to identify the truth. In this episode, Merrill Chandler discusses the business credit equivalent to CreditKarma.com and does a deep dive into the misrepresentations of what business credit is and what these guys say they can do for us. He also talks about credit offers and Nav.com reports to get you financing, build your business credit, and give you certain business credit reports.

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“Business” Credit-Building Scams

Mon, 28 Oct 2019 10:00:00 GMT

There are so many credit-related scams these days, and more and more people are getting away with it. Today, Merrill Chandler gets to the bottom of these business credit-building scams. Using Dun & Bradstreet CreditBuilder Plus as an example, Merrill helps us understand the difference between business and personal credit reporting. He also shows how these scams work or how scammers lure you into their credit traps. Don’t miss this episode to learn more about how to avoid these scams.

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Business Credit Posers

Tue, 08 Oct 2019 10:00:00 GMT

Are you aware of business credit scams? Having a business credit does not mean that it actually is a business credit card. In this episode, Merrill Chandler discusses one of the most deceptive practices that business credit providers actually voiced upon us unsuspecting borrowers. He breaks down what business credit cards are and what is not and how lenders scam their customers. Learn about the “wolf in sheep’s clothing” and how personal credit acts like business credit being reported to your profile.

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Velocity Of Credit

Mon, 07 Oct 2019 10:00:00 GMT

Your personal profile is crucial to your fundability. In this episode, Merrill Chandler talks about how focusing on your personal profile, the goose that lays the golden egg, and optimizing it has powerful funding results on your timeline. He shares some amazing insider secrets and describes it one by one. He will show you how to set up the funding entity that circles and focuses around you. You will learn more from Merrill’s million-dollar funding formula and be on your way to making your first or additional millions.

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Funding Animal Totem

Fri, 04 Oct 2019 10:00:00 GMT

Still wondering if you are fundable? It depends on your current profile and how much work you need to put in to achieve that perfect fundability level. In this episode, Merrill Chandler gets animated with animal analogies to help us remember each fundability profile. He shares the lessons of playing by the rules and finding reliable financial information.

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Fear Of Failure Or Success

Thu, 03 Oct 2019 10:00:00 GMT

Have you ever wanted something so badly that when you are close to achieving it, you feel scared and anxious for the next chain of events? This is how Merrill Chandler feels as he is about to launch his upcoming book called Are You F***able? We can all relate to that feeling of excitement to show our achievement to the world, and yet at the same time fearful of the effects that success can bring to our life. Merrill’s book is for free, all you have to pay for is the shipping cost. This is part of his advocacy to impart knowledge for the greater good and help others achieve financial success.

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Q&A #1 with Co-Host Brad Burnett

Wed, 02 Oct 2019 10:00:00 GMT

Should you close your revolving account or not? This is one of the few emailed answers from the question, “What would you like to know about fundability?” that Merrill Chandler and Brad Burnett tackles on today’s episode. As they share a way to close an account without harming your credit profile, they also give some amazing insights on fundability and how to avoid the landmines where you have been blowing up your funding chances. If you have many credit cards, you have to learn how to manage each one so as not to complicate your fundability. With Merrill’s insights, you will slowly learn how save your fundability and learn what are the better accounts to open.

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Installment Loan Quality

Tue, 01 Oct 2019 10:00:00 GMT

Credit makes you look good but only if you play by the rules. In this episode, Merrill Chandler guides you on how to manage your installment loans to create positive scores for your FICO. He clarifies the difference between the types of credit and tiers of financial institutions. He also exposes the truth behind 0% interest offers for an auto loan. Catch his tips on how to create a 700+ FICO score and solidify your fundability.

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Reporting Dates

Mon, 30 Sep 2019 10:00:00 GMT

Having many credit cards may have its advantages, but it can be a total headache when the bill comes especially when you’ve used one card after another. In this episode, Merrill Chandler talks about reporting dates and how to pay your bills on the right period without sacrificing your fundability. When talking about credit, it boils down to how lenders perceive you as a borrower. A lender withhold is one thing that can crush the soul of a borrower profile. Merrill lets you in on what lenders are doing or not doing in order to make credit profiles worse than they should be so they can charge you higher interest rates. He also talks about a withhold that lenders are keeping from us that significantly limits our funding abilities.

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Revolving Account Portfolio Age

Fri, 27 Sep 2019 10:00:00 GMT

Building positive credit profile can oftentimes be tricky. In this episode, Merrill Chandler talks about how critical factors like utilization and aging may affect your profile. He also shares how to tell a lender that you’re a rookie borrower and how your application may be declined or approved. You will encounter some useful terms here such as debt shifters, reward hoppers, travel hackers, and age threshold. All these are necessary for understanding how you can manage your revolving account portfolio.

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Revolving Account Portfolio Quality

Thu, 26 Sep 2019 10:00:00 GMT

Your credit cards impact your profile either for the good or the bad. In this episode, Merrill Chandler guides us in determining where ours stand by helping us understand what is called a revolving account portfolio. He also talks about what FICO is measuring and how lenders’ software evaluates the different credit cards – from personal credit lines and personal charge cards to credit cards. Join Merrill in this episode and find out how fundable you are and what a revolving account portfolio is all about.

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The Truth You Trust: An Honest Review of Seed Capital

Wed, 25 Sep 2019 10:00:00 GMT

If you’re starting a business and looking for funding, it’s easy to be lured by the promises of Seed Capital. In this episode, Merrill Chandler exposes one of the most of the notorious credit card stackers out there. Be a professional borrower, not a victim. Equip yourself and know the rules of the game.

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FICO 40 And Optimization

Tue, 24 Sep 2019 10:00:00 GMT

An aim towards positive account scoring with the maximum number of points possible for your file is a necessary goal. Merrill Chandler shows how this can be achieved by sharing the actual secret list that FICO uses to evaluate your fundability and how it corresponds with the lender underwriting software. Merrill emphasizes on the essence of optimization – increasing fundability points and decreasing negative drag against your profile. He also points out the importance of understanding what is being measured.

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Profile Versus Score

Mon, 23 Sep 2019 10:00:00 GMT

New borrowers can easily be misled by lenders when it comes to using credits scores for approval. In this episode, we are going to be talking about how lenders, FICO, and the entire funding game players use credit scores to distract rookie borrowers from what is being measured. Merrill Chandler talks about credit profile versus score and the true indicators of fundability. He also discusses an ideal borrower’s profile, one that lenders can easily approve, and shares some critical client examples showing complications on personal credit profile, credit line approval, and authorizing someone with horrible credit.

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Manual Versus Automatic Underwriting

Fri, 20 Sep 2019 10:00:00 GMT

How can you have authority over your personal approval? Merrill Chandler reveals some insider secrets to hacking the new source of funding approvals. These days, applying for credit lines, loans, or mortgages can be daunting as the borrower. However, when you shift the power from lenders to you, approvals can be attained rapidly. To fully learn how to power shift, you must understand the underwriting process. He gives a thorough explanation about manual versus automatic underwriting, as well as how you can increase fundability and emphasizes the importance of knowing what to put on application forms for faster approval. He also discusses what average utilization is all about and how it is calculated.

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Lender-Borrower Relationship: How To Improve Approvals

Thu, 19 Sep 2019 10:00:00 GMT

Just like any relationship, the lender-borrower relationship has its disagreements that can often be solved when both parties reach a mutual decision. As borrowers, we have always felt some bad energy from lenders because at some point, we know they are taking more from us. In this episode, Merrill Chandler discusses a paradigm shift that’s going to change how we perceive lenders and how we can improve our approvals. Shifting our current relationship with lenders, he shares a mindset shift that would allow us to relate with them. Merrill also touches on how personal credit bureaus gather our data and how fiduciary responsibility still makes the lenders the more powerful party in the end.

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The Credit Score Pyramid

Wed, 18 Sep 2019 10:00:00 GMT

A lot of people don’t have any clue how lenders are making more money out of them. The credit score pyramid invented by Merrill Chandler himself shows how lenders are making more money off of you without leaving you any clue whatsoever. These lenders are smart, but you can outsmart them if you know your way around the credit score system. Merrill talks about the credit score pyramid, explaining its ranges while sprinkling some facts about credit tiers and grading on a curve. Learn more about the pyramid as he breaks it down layer by layer.

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FICO Score Versions

Tue, 17 Sep 2019 10:00:00 GMT

There are people who want to take advantage of your ignorance for their profit. The good news is you can save yourself from all these scams if you are well-equipped with knowledge about credit scores and how they function. In this episode, Merrill Chandler reveals how merchants use their knowledge of different credit scores to rip you off and charge you the highest possible interest rate. With all these FICO score versions, Merrill teaches on how to identify if you are getting a fake score or not and cautions us to go to myFICO.com for more reliable credit reports and scores.

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The Truth You Trust: An Honest Review of Credit Karma

Mon, 16 Sep 2019 10:00:00 GMT

Today, it can be very easy to be lured by offers encouraging us to buy this and buy that. In this episode, Merrill Chandler teaches on how not to fall prey to companies like Credit Karma which attracts people to gain free credit scores and reports. Having used other methods for calculating scores and comparing it to FICO, Vantage scores, and the like, Merrill has concluded that Credit Karma is in to make money through referral fees from those who sign up to linked business card companies. He encourages us to not trust this free score scheme for increasing our fundability and to be mindful about what information we give them regarding our finances.

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FICO Versus Fake-O: The Truth About Credit Scores

Fri, 13 Sep 2019 10:00:00 GMT

We take one of the greatest mysteries about credit scores that keep you back from being fundable. In this episode, Merrill Chandler shows how lenders and FICO dangle the idea of a credit score in front of us so they can distract us from what they’re measuring. Discover the truth about FICO and these so-called Fake-O scores, and find how you can play and win the fundability game.

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The Truth You Trust: An Honest Review of Paydex with Guest Co-Host Brad Burnett

Thu, 12 Sep 2019 10:00:00 GMT

It’s hard to imagine that many are losing opportunities simply because they are being cheated by a scoring system. This is how others are going through with Dun and Bradstreet’s Paydex. In this episode, Merrill Chandler and Brad Burnett talk about what the Paydex score is all about. As they take us into their little trip to FICO that revealed multiple things they weren’t aware of, they also explain the tiers of building your credit and share the different types of credit instruments that can help you grow your entrepreneurial enterprise.

Players Of The Funding Game

Wed, 11 Sep 2019 10:00:00 GMT

Everyone in the funding world has their own goals and motivations for their actions. Sometimes because of this, friction is created that so often impact people’s fundability and credit approvals. In this episode, host Merrill Chandler introduces these funding game players and exposes their secret motivations. To win in this funding game, you need to get to know who you are up against. Together with Merrill, we take a deep dive into who and what they are all about.

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Protect Your Identity

Tue, 10 Sep 2019 10:00:00 GMT

In this highly technological era, protecting your identity from thefts and annoying sales agents can be a challenge. The good news is, you can actually do so and there are many ways to do it. Merrill Chandler shares some strategies on how to protect your personal credit identity from fraud, being hijacked, and even being stolen. He also touches on techniques to protect your fundability that will, in turn, protect your identity. On today’s show, get the lowdown on the ways to protect your identity and make it bulletproof when it comes to identity fraud and theft.

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A Fundable Identity

Mon, 09 Sep 2019 10:00:00 GMT

Not many are aware that identity is crucial to being fundable. That is why it’s important to understand how to make your identity part of your fundability, how to save your identity for theft or fraud, and how to make your identity bulletproof. Merrill Chandler talks about the fundable credit identity and takes a deep dive into the power of your identity over your funding approvals. Learn all about personal credit identity – what it means, why it is important, and how to set it up. Walk beyond the hallowed halls of FICO and discover what score engineers and business scoring development teams don’t tell you.

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The Price You Pay For Being Un-Fundable

Fri, 06 Sep 2019 10:00:00 GMT

Take a deep dive into a whole new paradigm shift in this episode where host Merrill Chandler talks about the untold price that you pay for being un-fundable. Merrill explains the ways you could be un-fundable and the literal cost it brings to your pocketbook and dreams. As he offers his definition of success and presents an example on the importance of knowing when priorities may change, he also cites some advantages of being fundable and talks about the relationship of having a good credit score to your overall profile. Watch this episode and avoid being unfundable.

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Credit Repair Vs. Fundability Optimization

Thu, 05 Sep 2019 10:00:00 GMT

You may think that credit repair is necessary for your tarnished credit profile, but it is not always the case. In this episode, Merrill Chandler explains why credit repair is not a promising option to make for your credit profile. He reviews some details to watch out for and how to protect yourself from them. Going to the better option, Merrill sheds light on fundability optimization and what it can do for you. On today’s show, learn more about holistic approaches that can guide you towards optimizing your funds.

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Funding Landmines & Mistakes

Wed, 04 Sep 2019 10:00:00 GMT

When we don’t know the rules of the game, we’re bound to step on landmines and make fatal funding mistakes. On today’s show, Merrill Chandler discusses the eight most common and fatal funding mistakes that real estate investors and business owners make and don’t even know they’re doing. Get in the know of what these are so you can avoid stepping on landmines, stop failing, and work on building a fundable profile.

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Credit Myths

Tue, 03 Sep 2019 10:00:00 GMT

In life, so many people presume to know something that is absolutely false. The same goes for credit. In this episode, host Merrill Chandler talks about the most prevalent credit myths that plague our entire society. He takes a deep dive into seventeen of these myths so that you understand why it’s a myth and how you can create your fundability by believing the truth.

How To Make Your Personal Profile A Business Funding Machine with Guest Co-Host Brad Burnett

Sat, 24 Aug 2019 10:00:00 GMT

In Aesop’s fable, the golden goose lays the golden eggs. However, the vast majority of us have spent most of our time cooking the goose. This metaphor applies to your personal credit profile and how lenders measure it to see how you treat other people’s money. In today’s show, Merrill Chandler and Brad Burnett talk about how optimizing your personal credit profile to fit business lender guidelines will transform it into a business funding machine. After all, with renewable resource – these eggs that keep coming out of the same hens for years – so do business lines of credit.

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How To Fit Underwriter Guidelines with Guest Co-Host Brad Burnett

Fri, 23 Aug 2019 10:00:00 GMT

There are innumerable ways you can fill out an application that actually tells a lender, “Don’t lend to me.” In this episode, Merrill Chandler and Brad Burnett talk about how to clone your business so that it fits underwriter guidelines. Underwriter guidelines are designed to prove that you’ve filled out your application correctly, that you shaped your business correctly, and that you are in alignment with their approval guidelines. Avoid unwittingly and unknowingly killing your fundability on the hope of being successful in business. Join us on this episode today.

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Automatic Underwriting Systems with Guest Co-Host Brad Burnett

Thu, 22 Aug 2019 10:00:00 GMT

Underwriters are there to protect the bank’s money, but they’re also there to make the bank money. Lenders usually talk to underwriters for help with the loan approval process. In this episode, host Merrill Chandler and guest co-host Brad Burnett talk about the underwriting process. As they dive into the difference between manual underwriting systems and automatic underwriting systems, they get into the underwriter’s role in the loan approval process and go down the list of all the documentation that an underwriter needs so that you’re more likely to be approved.

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Are You F*able?: A Tell-All Origin Story with Merrill Chandler and Guest Co-Host Brad Burnett

Wed, 21 Aug 2019 10:00:00 GMT

Credit repair was a strange concept many years ago. Back in ’92, it was still a Wild Wild West and people were getting ripped off and taken advantage of. In this very first episode, Guest Co-Host Brad Burnett sits down with Are You F*able host Merrill Chandler and go through the origin story of how Merrill got into credit repair and into becoming the CEO and Chief Strategist at CreditSense, a company that provides comprehensive credit funding analysis to discover how fundable a credit profile is. Join Merrill and Brad as they dive further into the funny, the amazing, and sometimes the dark world of credit restoration and fundability optimization.

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