Give Me Credit Episode 35 - Summer Encore

In this encore episode of Give Me Credit, consumer attorney Jacob Hippensteel joins credit expert John Mackey and JS Whaldo to break down how the credit reporting system really works behind the scenes.We dig into why credit disputes often stall, how credit bureaus prioritize lenders over consumers, and why reporting errors like mixed files and identity theft can linger for years.This episode explains the gap between what consumers expect from the credit system and how it actually operates under FCRA rules and automated dispute processing.Key TopicsCredit reporting system explainedCredit bureau dispute process limitsFCRA and consumer reporting accuracyMixed files and identity theft errorsWhy disputes often fail or get automated responsesImpact of credit reporting errors on loans and ratesEncore NoticeThis is a Summer Encore replay while we are on break.New episodes return September 8, 2026. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe