{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"The Credit Score Myth That's Costing You Money | Merrill Chandler Round 2","description":"What does it really take to get approved for six and seven figures in business credit - and what happens when life throws you off a cliff, literally? In this episode of The A Game Podcast, host Nick Lamagna sits down with Merrill Chandler, founder of Get Fundable Solutions and one of the only non-FICO employees with direct insider access to how FICO's underwriting algorithms actually work. Merrill survived a horrifying motorcycle accident - driving off a 70-foot cliff - and lived to tell how the exact business credit strategies he teaches his clients are what saved his business, his finances, and ultimately his life during recovery. This isn't your typical &quot;improve your credit score&quot; conversation. Merrill breaks down why your credit score is nearly irrelevant to loan approval, what lenders and banks are really looking for in 2026, and the 150 &quot;borrower behaviors&quot; FICO's decisioning platform actually measures before a human ever looks at your file. If you're a real estate investor, entrepreneur, or small business owner trying to unlock unsecured business lines of credit, this episode is a masterclass in business credit strategy, fundability, and financial resilience. In this episode, you'll learn: \u2705 Why an 800+ credit score does NOT guarantee loan approval - and what actually does \u2705 The 3 stages every lender uses to approve or deny you (and why your score only matters in stage one) \u2705 How real-time credit reporting and utilization thresholds secretly affect your approval odds \u2705 The &quot;statement close date&quot; trick most borrowers get wrong - even if they pay their balance to zero \u2705 Why business credit cards like Capital One Spark can silently hurt your personal credit profile \u2705 How to build $100K-$1M+ in unsecured business lines of credit that never touch your personal credit &amp;nbsp; If you're serious about real estate investing, business funding, credit optimization, entrepreneurship, financial freedom, or scaling your business, this episode delivers practical advice you can immediately put to work.  Connect with Merrill Chandler: www.chandler360.com\/ Merrill Chandler on Instagram Merrill Chandler on Facebook Merrill Chandler on LinkedIn &amp;nbsp; Connect with Get Fundable: www.getfundable.com Get Fundable on Instagram Get Fundable on Facebook Get Fundable on YouTube Get Fundable on LinkedIn Get Fundable on Twitter Get Fundable on TikTok &amp;nbsp; Join FREE weekly credit solutions Q&amp;amp;A calls Get your FREE 8 Fatal Funding Landmines guide Get your FREE copy of THE NEW F* WORD book Listen&amp;nbsp;The Fundability\u2122 Podcast on Apple Podcasts &amp;nbsp; --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers ","author_name":"The A Game Podcast: Real Estate Investing For Entrepreneurs","author_url":"http:\/\/theagamepodcast.libsyn.com","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/42156380\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/content\/204309555"}