J.S. Whaldo

Your guide to credit, mortgage, and finance clarity. Learn how credit scores, collections, and underwriting really work each week with J.S. Whaldo.

Welcome to the official channel of J.S. Whaldo — writer, former mortgage underwriter, and co-host of the Give Me Credit podcast. After more than 30 years in the finance industry, I share insights to help you navigate the world of credit and lending with clarity and confidence.

Here you’ll find weekly episodes of Give Me Credit, my collaboration with credit educator John A. Mackey. Together, we cover everything from how credit scores really work to rebuilding credit, handling collections, and understanding the mortgage underwriting process. My goal is simple: to strip away the confusion and make credit transparent, approachable, and practical for everyday life.

👉 Explore more of my work — podcasts, writing, and socials — at https://bio.site/JSWhaldo .

Subscribe for weekly episodes and take the guesswork out of credit.