The Fundability™ Podcast

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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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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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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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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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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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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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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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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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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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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