Podcasts about Equifax

American consumer credit reporting agency

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Latest podcast episodes about Equifax

Diversity Dish
S2 - Ep. 27 - Let's Talk About Effective Communication | Monique Russell

Diversity Dish

Play Episode Listen Later Sep 27, 2022 60:29


This fun and enlightening conversation about effective communication is a do not miss!Monique Russell is the global communications expert you want on your team. She teaches women leaders and teams how to have positive and productive relationships at home and work using effective communications tools and strategies. Passionate about serving Black and Women Employee Resource Groups, organizations like Amazon, Microsoft, Google, the Centers for Disease Control, Verizon, Intel, Equifax, and the world's busiest airport, Atlanta Hartsfield Jackson International, trust Monique to guide them in implementing communication strategies that foster connection, community, creativity, and courage. You can too.----------Where to connect with Monique:LinkedIn: http://linkedin.com/in/clearcommunicationcoachWebsite: http://www.moniquerussell.com/———————Diversitydish.com – How can I help you gain the confidence necessary to have meaningful conversations and affect real change when it comes to equity & inclusion?——————–Other places you can find resources and help support my work:Patreon: https://www.patreon.com/sedruolamaruskaLinkedIn: https://www.linkedin.com/in/sedruolamaruska/Instagram: https://www.instagram.com/sedruola/Website: http://diversitydish.com/Facebook: Sedruola Maruska (limited)

Let's Talk Money
A Season to Adapt

Let's Talk Money

Play Episode Listen Later Sep 23, 2022


On today's episode of "Let's Talk Money with Dave and Reb" the co-hosts continue conversations they have been having throughout the month of September talking about the current economic challenges and the fear and anxiety it is causing in many Canadian families. They mention an article referencing an Equifax report, giving statistics about the response of Canadians to current economic stress. Go to cbc.ca to learn more. Reportedly, Canadians are turning to credit cards for financial stress relief, resulting in rising debt. To hear their conversation, tune in to today's show which is sponsored by More Than Enough Financial - a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. To order Reb's e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God's Hope and Freedom for Your Finances, go to morethanenoughbooks.com. Aired: September 23rd, 2022 on CHRI Radio 99.1FM in Ottawa, Canada. For questions or to schedule an appointment with a More Than Enough team member, e-mail david@morethanenough.ca or call 613-520-4157. Visit morethanenough.ca for more information. For more CHRI shows, visit chri.ca.

Law, disrupted
$450 Million Settlement for Data Breach: Data Breach Litigation Comes of Age

Law, disrupted

Play Episode Listen Later Sep 22, 2022 56:42


In this episode of Law, disrupted, John is joined by Norman (Norm) E. Siegel, partner at Stueve Siegel Hanson LLP in Kansas City, Missouri. He is the lead plaintiffs' counsel in the $450 million settlement of a data breach class action against T-Mobile. Norm has been involved in many high-profile data breach cases, and served as lead counsel in the three largest data breach settlements reached to date: cases against T-Mobile, Equifax, and Capital One. Together, these settlements totaled over $2 billion in cash and other relief. Norm was recently named by Law360 as a “Titan of the Plaintiff's Bar” for his work in class action litigation.The conversation begins by discussing how data breach litigation has evolved in the past 10 years. John asks about the type of claims that are typically asserted in these nationwide class actions. Norm explains that plaintiffs typically assert common law tort claims in these cases, especially negligence, breach of confidence and invasion of privacy. He adds that when the plaintiffs have an express contract with the defendant, such as when they have accounts with the defendant, they will often assert claims for breach of an express or implied contract that the defendant would keep the plaintiff's information confidential. John and Norm turn their focus to recent California legislation establishing statutory damages for data breaches in general, as well as for breaches involving medical information. Because both acts are relatively new, the case law interpreting them is still developing. John and Norm discuss the role that expert testimony, California Attorney General's Guidelines, and FTC recommendations play in determining what data security measures the defendant should have implemented in these cases.  They also discuss how to navigate the complexities of having both a nationwide class and a subclass of California plaintiffs who have recourse under these statutes in the same case.The conversation then moves to legislation in other states, as well as the prospects for federal legislation establishing uniform national standards regarding data security similar to the standards in Europe under the GDPR. John and Norm discuss recent attempts at such legislation and the obstacles that have prevented it from passing this far.They then discuss standing issues in data breach cases, and the key decisions, including Spokeo and TransUnion, that have recently clarified how standing may be established. They also discuss the issue of whether a defendant owes a duty to protect confidential information if it has no contract with a plaintiff and how that issue impacted the Equifax and Capital One cases.  John moves the conversation to the issues that discovery tends to focus on in data breach cases. Norm explains that defendants' discovery has evolved from focusing on the measures they took to guard data to deposing plaintiffs about what damage they did or did not suffer because of a data breach. Norm adds that the plaintiffs' discovery focuses primarily on their damages, but also on the defendant's history of previous security breaches.This leads to a discussion of damages theories and how they have evolved in the past five years. John and Norm discuss alternatives to just compensating for out-of-pocket losses, including damages for the lost benefit of the bargain in contract cases, unjust enrichment, the time and effort spent to repair the breach, and nominal damages. They also explore the benefits to the plaintiff class of requiring the defendant to take specific measures to prevent future security breaches and to help plaintiffs to protect themselves when breaches occur.Finally, John and Norm discuss the settlement process, including how to allocate settlement amounts among the plaintiffs and the process to get a successful settlement for both sides. Norm believes that settlements result from always putting out high-qualit

WP-Tonic Show A WordPress Podcast
#729 WP-Tonic This Week in WordPress & SaaS With Sam Fonoimoana of Data Join

WP-Tonic Show A WordPress Podcast

Play Episode Listen Later Sep 22, 2022 33:46


How To Sell WordPress or SaaS Products or Services B2B Markets Integrate Your Marketing Tech Stack, Without Code Sam Fonoimoana started his career in Finance (FP&A) and transitioned into Marketing Analytics, helping companies such as Adobe, DOMO, and Ancestry.com. He also taught Marketing Analytics at BYU Hawaii in beautiful Laie, HI. Today, he is the Founder and CEO of Datajoin – a B2B marketing analytics company that is the go-to solution for connecting first-party data across the MarTech stack through their proprietary “Micro Integrations.” Their customers include Cisco, ARM, Adobe, and Equifax. Sam, the first VC-backed tech Founder and CEO of Polynesian descent in Utah has closed a seed round led by Sepio Capital. Sam and his wife Sabrina never have a dull moment with their children. They have 3 beautiful daughters and 4 wonderful sons. All 4 of their sons have been diagnosed with autism. When Sam is not at his computer, he can be found with his family at the park, rec center, restaurant, or on a road trip! Sam received his MBA in Finance from Brigham Young University. #729: WP-Tonic This Week in WordPress & SaaS With Sam Fonoimoana of Data Join Main Question of The Interview #1 - Sam, can you give the audience some background info connected to you and how you get involved in tech? #2 - Can you give us the starter story behind Data Join? #3 - What have been a couple of the biggest challenges you have faced in the development of Data Join? #4 - What are some of the most effective ways you have found connected to marketing Data Join? #5 - If you go back to a time machine at the beginning of Data Join, what advice would you give yourself? #6 - Are there any books, websites, or online recourses that have helped you in your own business development that you like to share with the tribe? https://www.datajoin.com/

The Accountability Minute:Business Acceleration|Productivity
6 Cybersecurity Tips to Protect Your Valuable Business

The Accountability Minute:Business Acceleration|Productivity

Play Episode Listen Later Sep 19, 2022 1:11


Making sure your business has systems in place to withstand cyberattacks is one of the most important actions you need to do. As a business owner, you have an obligation to protect your company's sensitive information, as well as your clients' information. The Equifax data breach of 2017 exposed the personal data of millions of people. As a result, Equifax had to pay $700 million in settlement fees. This is just one of many unfortunate examples. Smaller businesses may be even easier targets, which is why it's very important to have a solid cybersecurity strategy in place. If you're not sure where to start, I'm going to share 6 tips to help you increase your company's cybersecurity to protect your business over the next 6 days. So, tune in tomorrow for the first one. Subscribe to my high-value proven business success tips and resources Blog (https://www.accountabilitycoach.com/blog/) If you get value from these Accountability Minutes, please take a minute to leave me a short rating and review. I would really appreciate it and always love to hear from you. Take advantage of all the complimentary business tips and tools by joining the Free Silver Membership on https://www.accountabilitycoach.com/coaching-store/inner-circle-store/. Want more from The Accountability Coach™, subscribe to more high-value content by looking for me on https://www.accountabilitycoach.com/my-podcast/ and on most podcast platforms and in most English-speaking countries, or by going to https://itunes.apple.com/podcast/accountabilitycoach.com/id290547573. Subscribe to my YouTube channel with short business success principles (https://www.youtube.com/annebachrach) Connect with me on Linked-In (https://www.linkedin.com/in/annebachrach) Connect with me on Pinterest (https://pinterest.com/resultsrule/) Connect with me on Instagram (https://www.instagram.com/annebachrach/) Connect with me on Facebook (https://www.facebook.com/TheAccountabilityCoach) Go to https://www.accountabilitycoach.com to check out for yourself how I, as your Accountability Coach™, can help you get and stay focused on you highest payoff activities that put you in the highest probability position to achieve your professional and personal goals, so you can enjoy the kind of business and life you truly want and deserve. As an experienced accountability coach and author of 5 books, I help business professionals make more money, work less, and enjoy even better work life balance. Check out my proven business accelerator resources by going to https://www.accountabilitycoach.com/coaching-store/. Aim for what you want each and every day! Anne Bachrach The Accountability Coach™ Business professionals and Advisors who utilize Anne Bachrach's proven business-success systems make more money, work less, and enjoy better work life balance. Author of Excuses Don't Count; Results Rule, Live Life with No Regrets, No Excuses, the Work Life Balance Emergency Kit and more. Get your audio copies today.

BIA MEDIA
The credit reporting agencies Equifax and Transunion don't give a shi*t about you

BIA MEDIA

Play Episode Listen Later Sep 16, 2022 16:12


The credit reporting agencies Equifax and Transunion don't give a shi*t about you. You are not their customer. You are the product. Apply for business funding:https://quikfunding.ca/ Reserve Your Seat upcoming online webinar: https://new2credit.ca/ Media, Marketing, and business inquiries : https://bantumedia.org/ Enroll in funding academy. Learn how to access funding with banks and credit unions: https://fundingacademy.live/ Book a 1 on 1 business credit consult:https://calendly.com/fundingacademy/b... Book a 1 on 1 personal credit consult:https://calendly.com/fundingacademy/6... Marketing Strategy Consult:https://calendly.com/fundingacademy/m... Mentorship program:https://rebuildacademy.ca/ Our website: https://linktr.ee/creditfundingcanada

Software Lifecycle Stories
Following the money with Sam Fonoimoana

Software Lifecycle Stories

Play Episode Listen Later Sep 16, 2022 36:23


In this episode, Sam Fonoimoana, Founder and CEO of Datajoin – a B2B marketing analytics company, shares his thoughts and experiences related toGrowing up in Hawaii and California and studying at BYUChoosing business as a career in joining his Father in law's export businessGetting into MBA to study FinanceStarting with a role to plan budgets and review progress with various departments in a publishing companyLearning to code, to get various reports to analyze data, as an analystHow he gets and associates context with data, to infer meaningHis philosophy of following the money: get customers, retain customersHis trigger to start his company, Datajoin, to connect data from the web and data that resides within an enterprise using contextExperience of working with techies, after the export businessHis experience from being part of sports teams influencing the core values at Datajoin - that include Aloha! and ‘it takes a village to raise a child'Confidence he got from his mother - about being able to get anything he wanted to achieveHis joy and frustrations with Information technologyHow he sees the impact of AI/ML techniques on data analyticsHis career advice, for people considering a career or aspiring to shift to Data techniquesSam Fonoimoana started his career in Finance (FP&A) and transitioned into Marketing Analytics helping companies such as Adobe, DOMO and Ancestry.com. He also taught Marketing Analytics at BYU Hawaii in beautiful Laie, HI.Today, he is the Founder and CEO of Datajoin – a B2B marketing analytics company that is the go-to solution for connecting first-party data across the MarTech stack through their proprietary “Micro Integrations”. Their customers include Cisco, ARM, Adobe and Equifax.Sam is the first VC-backed tech Founder and CEO of Polynesian descent in Utah having closed a seed round led by Sepio Capital.Sam and his wife Sabrina never have a dull moment with their children. They have 3 beautiful daughters and 4 wonderful sons. All 4 of their sons have been diagnosed with autism. When Sam is not at his computer, he can be found with his family at the park, rec center, restaurant, or on a road trip!Sam received his MBA in Finance from Brigham Young University.You can reach him atTwitter.com/samfonoimoanaLinkedin.com/in/sam-fonoimoana

Market Pulse
What the Next Generation of Data Looks Like for the Auto Industry

Market Pulse

Play Episode Listen Later Sep 15, 2022 27:57


How can the auto industry improve the customer experience? The answer lies in the next generation of data tools. Join Equifax's Brian Epo as he interviews Atul Patel, CEO and co-founder of the automotive digital marketing platfom Orbee, about the next generation of personalization and how it will transform how consumers buy their next automobile. Jump ahead to these topics: 2:30 – About Atul Patel and Orbee5:50 – What can the auto industry do with today's updated personalization capabilities?14:09 – The auto industry's customer data is siloed, and that is impeding its marketing relevancy16:05 – How the consumer can benefit from contextual personalization18:16 – How Atul reconciles being a MarTech and ad tech thought leader as well as a privacy advocate23:42 – Technology has evolved to allow dealers to segment smaller groups and market to them  For more information about Market Pulse: https://www.equifax.com/business/trends-insights/marketpulse/Connect with Atul Patel on LinkedIn: https://www.linkedin.com/in/atulpatelx/ or at Orbee.com. 

DIPPED in Nonsense
EP 136: David Bro-ie

DIPPED in Nonsense

Play Episode Listen Later Sep 14, 2022 120:14


In this week's episode the gang links up to cover: - | Pop Culture & Music | - Bad Bunny kissing his male backup dancer at the VMA's (4:30), MSNBC anchor Ari Melber breaking down Jay Z's new verse on Khaleds ‘God Did'(13:30), Leo breaking up with his 25 year old girlfriend(s) (27:00), The Vince Staples Show coming to Netflix (33:15), Dan Schneider Nickelodeon show runner being accused of abuse (37:00), wild Tiffany Haddish allegations (43:10), Adam22 on Joe Budden and creating murder content (45:30) - | News | - Bed bath and beyond CFO leaps to his death after scamming allegations (59:00), Ravil Maganov the Russian oil giant thrown out of 6 story hospital window (1:03:00), Mississippi underwater (1:09:00), permanent chemicals in human bodies (1:15:31), Equifax miss-reporting people's credit scores (1:18:00) - | Content | - Megan thee Stallion on She hulk (1:20:55), the Netflix And 1 basketball documentary series (1:28:00), the new Lord of the Rings on Amazon (1:32:45), House of Dragons on HBO (1:42:40), Mike Tyson's stolen story 'Mike!' On Hulu (1:53:50), The Elvis movie (1:56:50), and share final thoughts (2:00:00) linktr.ee/dippedinnonsense

The Wealth and Freedom Nexus Podcast
WFN #048 – Rising Rates may mean you SHOULD refinance with Timothy of Hero Lending

The Wealth and Freedom Nexus Podcast

Play Episode Listen Later Sep 14, 2022 41:56


Rising rates.  Inflation.  Recession fears.  Returning stagflation?  And these are all reasons why you MIGHT still want to refinance??If you are tired of “Traditional Banks” like I am, you will want to listen in.  Timothy Hero, who last was on for Episode 017 returns to share what has happened since in the mortgage industry and how many of his lenders may be BETTER for you!  For instance, some of his lenders take the HIGHEST credit score between Equifax, Transunion and Experian for qualification versus the MIDDLE or even LOWEST score that other traditional banks do.  Tim can do lending in 45 states but NOT in Utah, Nevada, the Dakotas or Alaska.  Want to support the show? 

Bernard Marr's Future of Business & Technology Podcast
The Biggest Cyber Security Risks In 2022 (with Jamil Farshchi, CISO, Equifax)

Bernard Marr's Future of Business & Technology Podcast

Play Episode Listen Later Sep 8, 2022 29:53


Today's discussion will be about the biggest risks in cyber security. To help me untangle this topic, I am joined by Jamil Farshchi, Chief Information Security Officer at Equifax.

Ahorrar Más con Potencial Millonario
Como mejorar su puntuación de crédito rápidamente?

Ahorrar Más con Potencial Millonario

Play Episode Listen Later Sep 5, 2022 12:44


Su informe de crédito es una parte importante de su vida financiera que puede determinar sus posibilidades de obtener crédito, qué tan buenos o malos serán los términos, y cuánto le costará tomar dinero en préstamo. Entérese de cómo obtener su informe de crédito gratuito y por qué es una buena idea. Tabla de contenido Acerca de los informes de crédito Cómo obtener sus informes de crédito anuales y gratuitos Lo que puede esperar cuando solicite sus informes de crédito Cómo monitorear sus informes de crédito Quién puede obtener una copia de sus informes de crédito Evite otros sitios web que ofrecen informes de crédito Reporte las estafas Acerca de los informes de crédito ¿Qué es un informe de crédito? Un informe de crédito es un resumen de su historial crediticio personal. Su informe de crédito incluye su información de identificación, como su domicilio y fecha de nacimiento, y otros datos sobre su historial de crédito, por ejemplo, cómo paga sus facturas o si se declaró en bancarrota. Hay tres compañías de informes crediticios que operan a nivel nacional (Equifax, Experian y TransUnion) que recolectan y actualizan esta información. En su archivo de crédito figuran las cuentas de la mayoría de las grandes tiendas con sucursales en todo el país y las cuentas de tarjetas de crédito otorgadas por bancos, junto con sus préstamos, pero no todos los otorgantes de crédito reportan información a las compañías de informes crediticios. La información que figura en su informe de crédito puede afectar su poder de compra. También puede afectar sus probabilidades de conseguir un empleo, alquilar o comprar un lugar para vivir y comprar una póliza de seguro. Las compañías de informes crediticios les venden la información de su informe a negocios que la usan para decidir si le prestarán dinero, extenderán crédito, ofrecerán un seguro o le alquilarán una vivienda. Algunos empleadores usan los informes de crédito para tomar decisiones de contratación. El grado de solidez de su historial de crédito también afecta cuánto tendrá que pagar para tomar un préstamo de dinero. Las compañías de informes crediticios deben hacer lo siguiente: Tomar las medidas necesarias para asegurarse de que la información que recolectan sobre usted sea exacta. Entregarle una copia gratis de su informe una vez cada 12 meses. Darle la oportunidad de corregir errores. Así lo establece una ley federal llamada Ley de Informe Imparcial de Crédito (FCRA). ¿Por qué debería obtener una copia de mi informe? El hecho de obtener su informe de crédito lo puede ayudar a proteger su historial de crédito contra inexactitudes, errores o signos de robo de identidad. Revíselo para estar seguro de que la información es exacta y está completa y actualizada. Considere hacerlo al menos una vez por año. Asegúrese de revisar su informe antes de presentar una solicitud de crédito, préstamo, seguro o empleo. Si encuentra errores en su informe de crédito, comuníquese con las compañías de informes crediticios y con el negocio que suministró la información para que eliminen los errores que figuran en su informe En este enlace encontrará información útil para detectar el robo de identidad. Los errores de su informe de crédito podrían ser un signo de robo de identidad. Una vez que los ladrones de identidad le roban su información personal, por ejemplo, su nombre, fecha de nacimiento, domicilio, números de cuenta de tarjeta de crédito o cuenta bancaria, números de Seguro Social o de seguro médico, pueden hacer lo siguiente: Vaciarle su cuenta bancaria. Efectuar cargos a sus tarjetas de crédito. Obtener tarjetas de crédito nuevas bajo su nombre. Abrir cuentas de servicio de teléfono, TV por cable u otras cuentas de servicios públicos bajo su nombre. Robarle su reembolso de impuestos. Usar su seguro de salud para obtener atención médica. Hacerse pasar por usted si los arrestan. El robo de identidad puede perjudicar su crédito con la acumulación de facturas impagas y cuentas en mora. Si cree que es posible que alguien esté usando indebidamente su información personal, visite RobodeIdentidad.gov para reportarlo y conseguir un plan de acción personalizado. Cómo obtener sus informes de crédito anuales y gratuitos ¿Cómo puedo solicitar mis informes de crédito anuales y gratuitos? Las tres compañías de informes crediticios del país han establecido un sitio web, una línea telefónica de acceso gratuito y un domicilio postal centralizados para que usted pueda solicitar sus informes de crédito anuales y gratuitos en un solo lugar. No se comunique con las tres compañías de informes crediticios del país individualmente. Estas son las únicas maneras de solicitar sus informes de crédito gratuitos: En internet, visite AnnualCreditReport.com Por teléfono, llame al 1-877-322-8228. Por correo: complete el formulario de solicitud de informe de crédito anual y envíelo a: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 Hay un único sitio web, AnnualCreditReport.com, autorizado para procesar las solicitudes del informe de crédito anual y gratuito que usted tiene derecho a recibir conforme a la ley. ¿Con qué frecuencia puedo obtener un informe gratuito? La ley federal le da derecho a obtener una copia gratuita de su informe de crédito una vez cada 12 meses. Hasta diciembre de 2022, todas las personas que viven en EE. UU. pueden obtener un informe de crédito gratuito por semana de parte de las tres compañías de informes crediticio que operan a nivel nacional (Equifax, Experian y TransUnion) en AnnualCreditReport.com. Además, todas las personas de EE. UU. pueden obtener seis informes de crédito gratuitos por año hasta el 2026, a través del sitio web de Equifax o llamando al 1-866-349-5191. Eso se suma al informe gratuito de Equifax (más sus informes de Experian y TransUnion) que puede obtener en AnnualCreditReport.com. ¿Hay otras situaciones que me permiten obtener un informe gratuito? Conforme a lo dispuesto por ley federal, usted tiene derecho a recibir un informe gratuito si se presenta alguna de las siguientes situaciones: Una compañía le deniega su solicitud de crédito, seguro, empleo u otro beneficio, o se ha tomado otra acción desfavorable en su contra, a base de la información en su informe de credito. Eso se conoce como acción o medida adversa. Usted debe solicitar su informe dentro de los 60 días posteriores a la fecha en la cual reciba el aviso de la acción adversa. En el aviso se le proporcionará el nombre, el domicilio y el número de teléfono de la compañía de informes crediticios, y usted puede solicitarle su informe gratuito. Usted está sin trabajo y tiene previsto buscar un empleo dentro de los 60 días. Usted recibe asistencia pública, por ejemplo, algún beneficio de bienestar social. Su informe es inexacto debido al robo de identidad u otro fraude. Usted estableció una alerta de fraude en su archivo de crédito. Si pertenece a una de estas categorías, comuníquese con una compañía de informes crediticios utilizando la información de contacto de la agencia de crédito a continuación. Lo que puede esperar cuando solicite sus informes de crédito ¿Qué información tengo que dar? Para proteger su cuenta y su información, las compañías de informes crediticios tienen un proceso que les permite verificar su identidad. Esté preparado para suministrar su nombre, domicilio, número de Seguro Social y fecha de nacimiento. Si usted se ha mudado durante los últimos dos años, es posible que tenga que informar su domicilio previo. Le pedirán algunos datos que solamente usted puede conocer, como, por ejemplo, el monto del pago mensual de su hipoteca. Usted debe responderle estas preguntas a cada compañía de informes crediticios, incluso si está solicitando sus informes de crédito a cada una de las tres compañías al mismo tiempo. Cada compañía puede solicitarle diferentes datos ya que la información contenida en su registro puede provenir de diferentes fuentes. ¿Cuándo recibiré mi informe? Dependiendo de cómo lo haya solicitado, puede recibirlo de inmediato o dentro de un plazo de 15 días. Si lo solicita en internet en AnnualCreditReport.com, podrá acceder a su informe inmediatamente. Si lo solicita por teléfono llamando a la línea gratuita 1-877-322-8228, procesarán su pedido y le enviarán el informe por correo dentro de los 15 días siguientes. Si lo solicita por correo usando el formulario Annual Credit Report Request, lo procesarán y le enviarán el informe por correo dentro de los 15 días posteriores a la fecha en que reciban su solicitud. En caso de que la compañía de informes crediticios necesite más información para verificar su identidad, es posible que tenga que esperar un poco más para obtener su informe. ¿Puedo obtener mi informe en Braille, o en formato de letra grande o audio? Sí, su informe de crédito anual y gratuito está disponible en Braille, y en formato de letra grande o audio. Para recibir sus informes de crédito en estos formatos, tendrá que esperar tres semanas. Si padece sordera o tiene problemas de audición, llame al servicio de TDD al 7-1-1 y pídale al operador que lo comunique con el 1-800-821-7232 de AnnualCreditReport.com. Si tiene impedimentos visuales, puede solicitar sus informes de crédito anuales y gratuitos en Braille, o en formato de letra grande o audio. Cómo monitorear sus informes de crédito ¿Debería solicitar los informes a las tres compañías de informes crediticios al mismo tiempo? Usted puede solicitar los informes gratuitos al mismo tiempo o puede escalonar sus pedidos a lo largo del año. Algunos asesores financieros dicen que el hecho de escalonar sus solicitudes durante un período de 12 meses es una buena manera de vigilar que los datos registrados en sus informes sean exactos y completos. Debido a que cada compañía de informes crediticios obtiene su información de distintas fuentes, es posible que los datos de su informe de una compañía de informes crediticios no reflejen toda o la misma información que se registra en sus informes de las otras dos compañías de informes. ¿Puedo comprar una copia de mi informe? Sí, si usted no cumple los requisitos para obtener un informe de crédito gratuito, una compañía de informes crediticios le puede cobrar un monto razonable por una copia de su informe. Pero antes de comprarlo, averigüe siempre si puede obtener una copia gratis en AnnualCreditReport.com. Para comprar una copia de su informe, comuníquese con: Equifax:1-800-685-1111; Equifax.com/personal/credit-report-services Experian: 1-888-397-3742; Experian.com/help TransUnion: 1-800-916-8800; TransUnion.com/credit-help Quién puede obtener una copia de sus informes de crédito La ley federal establece quiénes pueden obtener su informe de crédito. Si está presentando una solicitud de préstamo, tarjeta de crédito, seguro, leasing de un carro, o si quiere alquilar un apartamento, esos negocios pueden ordenar una copia de su informe como una ayuda para tomar decisiones de crédito. Su empleador actual o eventual puede obtener una copia de su informe de crédito, pero únicamente si usted lo autoriza por escrito. Evite otros sitios web que ofrecen informes de crédito Es posible que vea que hay compañías y sitios web que ofrecen informes de crédito gratuitos, pero hay un único sitio autorizado para solicitar y obtener el informe de crédito anual y gratuito que tiene derecho a recibir por ley: AnnualCreditReport.com. Estos sitios web fingen estar asociados con AnnualCreditReport.com o dicen que ofrecen informes de crédito gratis, puntajes de crédito gratis o monitoreos de crédito gratis. También pueden usar términos como “informe de crédito gratis” en sus nombres. Incluso podrían establecer domicilios web (URL) con errores de ortografía intencionales en AnnualCreditReport.com, con la esperanza de que usted escriba incorrectamente el nombre del sitio web oficial. Si visita uno de estos sitios web impostores, podría terminar en otros sitios donde le querrán vender algo o recolectar su información personal para venderla o usarla indebidamente después. AnnualCreditReport.com y las compañías de informes crediticios no le enviarán un email para pedirle su número de Seguro Social o información de cuentas. Si recibe un email, ve un anuncio de tipo pop-up en internet o recibe una llamada en supuesta representación de AnnualCreditReport.com o de alguna de las tres compañías de informes crediticios, no responda ni haga clic sobre ningún enlace que aparezca en el mensaje. Es probable que eso sea una estafa. Reporte las estafas Si ve una estafa, fraude o mala práctica comercial, cuénteselo a la FTC. Visite ReporteFraude.ftc.gov, el sitio web de la FTC que le facilita su reporte.

The Clark Howard Podcast
08.30.22 Undisclosed: Podcast Influencers / Prime Perk: Amazon Layaway

The Clark Howard Podcast

Play Episode Listen Later Aug 30, 2022 22:41


People are being hoodwinked by paid influencers on social media. Clark shares how this often works with podcasting, unbeknownst to you, the listener. Also, Amazon Prime has a new option for payment that gets Clark's seal of approval - part of a trend of added perks for retail memberships.  Undisclosed: Podcast Influencers: Segment 1 Ask Clark: Segment 2 Amazon Prime Layaway: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The best time and place to buy appliances A Simple Way To Help Your Kid Build Credit Amazon Layaway: A New Perk of Amazon Prime Amazon -Get Same-Day Delivery from your favorite retail stores Walmart deal with Paramount gives members streaming perks How to Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips Do Not Give Your Social Security Number at These Places Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Innovation and the Digital Enterprise
Driving Strategic Change with Patrick Dineen

Innovation and the Digital Enterprise

Play Episode Listen Later Aug 25, 2022 33:59


Seeking professional advice to advance your career? Patrick Dineen, Chief Information Officer athttps://www.nielsen.com/ ( Nielsen), has the answer: solve bigger problems. As a leader in strategic planning and transformational thinking within several major companies over his career, Patrick is perfectly positioned to witness the incredible value of team members who seek out challenges and take advantage of big opportunities to contribute. In this episode, Patrick reflects on outside-in thinking and a growth mindset in the workplace. He shares insight into the value of building relationships and trust across companies. Patrick discusses his leadership style: influence over authority, a willingness to take the blame, and intentionality in seeking out ways to assist colleagues. Patrick illuminates the complex relationship of being present and planning for the future, and he expounds on the value of operating on a very familiar unit of time: one week.  (1:30) – CIO athttps://www.nielsen.com/ ( Nielsen) (5:30) – Building relationships across an organization (9:00) – Obsoleting your own role (13:50) – The tyranny of growth (15:15) – Solve bigger problems (19:22) – Thinking weekly (23:40) – Influence, not authority (28:03) – Taking the blame (33:09) – Avoiding “watermelon status” (33:57) – Change management Patrick Dineen is the Chief Information Officer athttps://www.nielsen.com/ ( Nielsen). Previously, he served in leadership positions athttps://www.csgi.com/ ( CSG Systems),https://www.hartehanks.com/ ( Harte Hanks),https://www.usadata.com/ ( USADATA),https://claritas.com/ ( Claritas), andhttps://www.equifax.com/ ( Equifax). Patrick earned an MBA from NYU Stern School of Business and a B.S. in Industrial Engineering at Columbia University.  If you'd like to receive new episodes as they're published, please subscribe to Innovation and the Digital Enterprise in https://podcasts.apple.com/us/podcast/innovation-and-the-digital-enterprise/id1451753709?mt=2 (Apple Podcasts), https://podcasts.google.com/?feed=aHR0cHM6Ly9mZWVkcy50cmFuc2lzdG9yLmZtL2lubm92YXRpb24tYW5kLXRoZS1kaWdpdGFsLWVudGVycHJpc2U%3D (Google Podcasts), https://open.spotify.com/show/3fOSh73F3sjyK7TIMFSOc1?si=uRAeLNvjQjmbnFjzWIvMlg (Spotify), or wherever you get your podcasts. If you enjoyed this episode, please consider leaving a review in https://podcasts.apple.com/us/podcast/innovation-and-the-digital-enterprise/id1451753709?mt=2 (Apple Podcasts). It really helps others find the show. https://www.dante32.com/ (Podcast episode production by Dante32.)

Credit Repair Business Secrets
BREAKING! Equifax Disaster: Everything You Need to Know

Credit Repair Business Secrets

Play Episode Listen Later Aug 23, 2022 17:43


Sign up for our brand new 14-day Credit Hero Challenge.Hey Credit Heroes!Were you or any of your clients denied loans or charged higher interest rates between March 17th and April 6th of this year?If so, you might have been affected by the huge Equifax disaster that has come to light this week!A ‘coding error' from Equifax caused credit scores to change, and it may have affected you or your clients!They claim that 300,000 scores have changed by around 20 points… which is a huge difference! But the Wall Street Journal claim that more than 2 million people may have been affected.In today's episode, I break down exactly what had happened, when it happened, how it happened and what you can do about it TODAY!Make sure that you check this episode out! Because you can do something about it! Believe me!Check it out!Key Takeaways:Intro (00:00)What happened to Equifax (01:30)What does this mean for you (04:10)Is this a new thing? (05:50)My own personal experience (07:05)Here's what you can do (09:27)Our Weekly Facebook Spotlight (13:51)Episode wrap-up (16:19)Additional Resources:- Get a free trial to Credit Repair Cloud- Get my free credit repair training  Make sure to subscribe so you stay up to date with our latest episodes!

The CyberWire
Bogus DDoS protection pages distribute malware. Estonia deals with DDoS attacks. Roskomnadzor's Internet panopticon.And data-tampering attacks are regarded as a growing risk.

The CyberWire

Play Episode Listen Later Aug 22, 2022 22:16 Very Popular


Bogus DDoS protection pages distribute malware. Estonia deals with DDoS attacks. Roskomnadzor's Internet panopticon. Rick Howard on the RSA Security Breach of 2011 and the Equifax breach of 2017. Caleb Barlow on what does a recession mean for cyber security venture capital and what is the impact of this on the industry? And data-tampering attacks are regarded as a growing risk. For links to all of today's stories check out our CyberWire daily news briefing: https://thecyberwire.com/newsletters/daily-briefing/11/158 Selected reading. WordPress sites hacked with fake Cloudflare DDoS alerts pushing malware (BleepingComputer) Fake DDoS Pages On WordPress Sites Lead to Drive-By-Downloads (Sucuri Blog) Car blast kills daughter of Russian known as 'Putin's brain' (AP NEWS) Russia blames Kyiv for killing daughter of ‘Putin's Rasputin', but the truth may be closer to home (The Telegraph) Alexander Dugin's daughter killed by anti-war Russians: Former state deputy (Newsweek) Estonia Repels Biggest Cyber-Attack Since 2007 (Infosecurity Magazine)  Estonia's Battle Against a Deluge of DDoS Attacks (Infosecurity Magazine) Latvia Starts Removing Soviet Monument in Challenge to Russia (Bloomberg) Data-tampering attacks are a 'nightmare' threat that's hard to detect (Protocol)

Cleve Gaddis Real Estate Radio Show
Brooke Farm in Dunwoody, Collect Deposit To Hold An Apartment I'm Renting, Equifax Coding Error

Cleve Gaddis Real Estate Radio Show

Play Episode Listen Later Aug 22, 2022 12:00


In this segment, we feature Brooke Farm in Dunwoody in our Neighborhood Spotlight, Atlanta-based Equifax coding error may have people paying more for their loans than they should, uh oh... and I received a question from a listener asking, "Can I collect a security deposit from a tenant to hold an apartment I'm renting?"

Child Support Made Simple - Strategies to Escape the Title 4D Program.
Season 4 Episode 9 - Can Remove Child Support From Your Credit Report

Child Support Made Simple - Strategies to Escape the Title 4D Program.

Play Episode Listen Later Aug 18, 2022 18:10


Can Remove Child Support Form Credit Your Report Demand TransUnion, Equifax, Experion to remove all information on child support form credit report.Can I Remove Child Support from My Credit Report? Federal Law to ask a The Credit Reporting Agencies to remove all information regarding child support from my credit information. Child Support payment reporting does not belong on my credit report.  You have the right under Federal Law to ask a The Credit Reporting Agencies to remove all information regarding child support from my credit information. You must submit your request in writing. If you submit your demand over the phone, your rights are not protected. Consumers can authorize third-party representatives to submit complaints on their behalf.Please click on the link to Schedule a Discussion:

The CyberWire
Cyber incidents and lessons from Russia's hybrid war. Zimbra vulnerabilities exploited. New Lazarus Group activity reported. ICS security advisories .Insider trading charges from 2017 Equifax breach.

The CyberWire

Play Episode Listen Later Aug 17, 2022 26:35 Very Popular


A DDoS attack against a Ukrainian nuclear power provider. The US Army draws some lessons from the cyber phases of Russia's hybrid war. Vulnerabilities in Zimbra are undergoing widespread exploitation.Reports of new Lazarus Group activity. CISA releases eight ICS security advisories. Carole Theriault looks at scammers and cryptocurrencies. Our guest is Jennifer Reed from Aviatrix on the changing landscape of cloud security. And the SEC charges three with insider trading during the 2017 Equifax breach. For links to all of today's stories check out our CyberWire daily news briefing: https://thecyberwire.com/newsletters/daily-briefing/11/155 Selected reading. Ukrainian Nuclear Operator Accuses Russians Hackers Of Attacking Its Website (RadioFreeEurope/RadioLiberty) Ukraine nuclear power company says Russia attacked website (Al Jazeera) Ukraine Nuclear Operator Reports Cyberattack on Its Website (The Defense Post) How electronic warfare is reshaping the war between Russia and Ukraine (The Record by Recorded Future) Army lesson from Ukraine war: cyber, EW capabilities not decisive on their own (FedScoop) Learning from Ukraine, Army cyber schoolhouse focuses on electromagnetic spectrum (Breaking Defense) Cyber and full-spectrum operations push the Great Power conflict left of boom (Breaking Defense) Microsoft Exchange alternative Zimbra is getting widely exploited, 1000s hit (The Stack) CISA Alert AA22-228A – Threat actors exploiting multiple CVEs against Zimbra Collaboration suit (CyberWire) Threat Actors Exploiting Multiple CVEs Against Zimbra Collaboration Suite (CISA) A signed Mac executable… (ESET) Yokogawa CENTUM Controller FCS (CISA) LS ELECTRIC PLC and XG5000 (CISA) Delta Industrial Automation DRAS (CISA) Softing Secure Integration Server (CISA) B&R Industrial Automation Automation Studio 4 (CISA) Emerson Proficy Machine Edition (CISA) Sequi PortBloque S (CISA) Siemens Industrial Products with OPC UA (CISA) U.S. SEC charges 3 people with insider trading tied to Equifax hack (Reuters)  SEC Charges Three Chicago-Area Residents with Insider Trading Around Equifax Data Breach Announcement (US Securities and Exchange Commission)

Sales Enablement PRO Podcast
Episode 215: Arup Chakravarti on the Power of AI for Enablement

Sales Enablement PRO Podcast

Play Episode Listen Later Aug 17, 2022 21:57


Shawnna Sumaoang: Hi, and welcome to the Sales Enablement PRO podcast. I am Shawnna Sumaoang. Sales enablement is a constantly evolving space and we're here to help professionals stay up to date on the latest trends and best practices so that they can be more effective in their jobs. Today I’m excited to have Arup Chakravarti from Equifax UK join us. Arup, I would love to introduce yourself, your role in your organization to our audience. Arup Chakravarti: Absolutely, firstly thank you so much for having me on the podcast. It's a real pleasure to be here. A little bit about myself, I have been in sales enablement essentially for almost all of my career. I started off in maybe more of a sales operations stream and that’s again going back almost 20 years now working in financial services. I’ve always been in a B2B context, so therefore always been in that space where I’ve been very close to sales teams and account management teams and helped them become much more effective and productive in what they do. Certainly 20 years ago there wasn’t really a sales enablement domain, I think sales operations was perhaps just starting out then, but you know, in terms of what that domain is today, if you think about it either its revenue operations or revenue enablement, it’s so much more sophisticated, it’s so much more mature and so much more complex. In many respects also so much more of a satisfying environment in which to work, say than 20 years ago. Over that period of time of seeing how the entire domain, the discipline has matured, as I said, how it’s moved from saying sales operations, which is you know, again 20 years ago maybe literally looking at things like sales incentive plans to doing sales performance to maturing into sales tools such as CRM etcetera. Of course, now, that whole space is such a strong blend of sales operations and sales enablement which naturally includes training and coaching and development. So that’s been my career pathway for actually all of my career, all in a B2B context. SS: We’re excited to have you here Arup, we’ve worked with you numerous times over the years, so I’m so glad you’re able to join our podcast. Now in the past, we’ve talked about the power of leveraging artificial intelligence or AI to increase sales effectiveness. In your experience, what are some of the benefits of using AI and enablement? AC: Grand, I’m glad you asked me that question. Let’s just cut it back to something that you know, why would you use AI, why would any organization use AI, and what value does it get from AI in different business functions and different business use cases? So fundamentally the value of AI is essentially getting the computer to process a huge amount of data and to process all of that data in a much more intelligent and frankly much more powerful than accelerated manner than any human being could do. AI in most applications, in most use cases artificial intelligence, machine learning, what it’s effectively doing is going through huge amounts of data and finding consistent patterns in those data and in the process of finding consistent patterns, flagging up those patterns for some type of decision making. At its simplest, even in the consumer world when you’re looking at things like Netflix, if you’ve got your Netflix account and Netflix throws up or Amazon throws up certain items that you might be interested in purchasing or certain movies or TV shows that you might be interested in watching what’s happening, there really is just a huge amount of data that are being processed data about yourself in terms of what you like to do, but data about similar profile consumers that are also looking at similar programs and then a decision is being made in terms of what you might like. That’s all in many respects that AI is doing right in the context of what we think about in most business use cases, it’s looking at a huge amount of data and then being able to pinpoint certain behavioral patterns in that data. Within the context of enablement, especially revenue enablement it’s really powerful because essentially what it’s doing is it’s helping an organization and individuals in an organization be much more intelligent in the context of identifying some of their customers, their clients, whether it’s existing or prospective customers, that may be closer to making some type of buying decision. You’re looking at patterns of behavior either at the individual level or you’re looking at patterns of behavior within a firm level. If you think about buyers and buyers in the marketplace and you know this yourself, the way that enablement has changed the way that buyers purchase has shifted so fundamentally that now it’s so much less about the sales effort to the buyer, but so much more about how a buyer discovers a particular company, how buyer goes through that buyer journey, and how sellers are able to educate that buyer through that process. What AI does is kind of just help sellers within an organization just be much smarter about identifying which companies are closer to making a buying decision. SS: I love that. What does it look like to embed AI into your enablement programs though, what are some of the key ways that you’ve implemented AI-driven programs? AC: Yeah, so I’ll take that in two halves because in the second half you’re asking me how I implemented AI and you know, to be perfectly honest with you, I would love to have implemented a lot more AI. I think it’s a really exciting space. I think forward-looking companies that do implement AI in terms of their sales, and marketing processes, get a lot of value from it, and absolutely, I would love to have done some more. Let’s first talk about, you know, some of the use cases and some of the implementations that we see. We sort of hear AI being much more prevalent in terms of some of the sales stack, in terms of some of the marketing stack, and how that’s helping, again, as I said, companies make much more intelligent decisions about which buyers they should engage with and when. We definitely see that in terms of conversation intelligence, I mean obviously, you know, some of the big names, they’re great companies because what they’ve been doing is clearly being able to build out capabilities where they can analyze unstructured verbal communications and in the process start to identify different types of sentiments and again, it’s just that process of if you can listen to that conversation, you can be intelligent in terms of how you analyze that conversation, you can get the machine the computer to flag up insights and behavioral patterns to you. It then starts to give you as a sales rep that capability in a company that’s selling to a set of buyers. It starts to give you a really clear indication in terms of which of your buyers are potentially closer to making a buying decision. So we absolutely see that when you see deals being tracked through CRM and through the pipeline, the revenue intelligence capabilities have AI that is analyzing again how that deal and information about that deal is being tracked. So it starts to again exhibit information about is a particular deal closer to being a converted close one or actually is there less confidence in terms of that deal coming to a successful closure. So those are sort of the areas where and when you look at revenue enablement, in particular, those are the sorts of areas where we’re starting to see AI getting embedded into a lot of that revenue value chain. If you think about all of the different activities that a seller needs to go through to be able to prepare for, engage with, proposed to, go through a negotiation process, and again, capture information in their CRM system, capturing information across a number of different systems, utilizing sells enablement platforms to be able to access information and be much smarter in terms of their there they’re kind of they’re selling engagement, all of those areas are just becoming much more sophisticated in terms of utilizing machine learning artificial intelligence to be able to help automate a number of decisions to be able to help bring the information up to a sales rep and also to be able to help that sales rep understand how they’re engaging with the customer and the levels of kind of sentiment and engagement from that customer. SS: Fantastic. One thing you’ve mentioned is the importance of essentially demystifying AI for enablement leaders. Why do you think some leaders might be apprehensive about leveraging AI? And what is your advice for demystifying AI for them? AC: That’s a great question. I don’t know if enablement leaders are necessarily apprehensive about implementing AI, I think it’s just a case of not necessarily having a clear picture of what AI means and how it can deliver value. I think there’s also a certain confusion in terms of artificial intelligence machine learning, its association with data science, and having a very big data science function. I sort of see the deployment of AI into business processes, it really falls into a kind of two buckets for me, what I call the kind of the functional level deployment of AI or the kind of application-level deployment of AI and in the functional level deployment of AI, what you’ve got there is exactly that. You’ve got like very big organizations oftentimes banks because banks have been doing this to very big financial institutions. Banks have been doing this for a really long period of time. You get a whole bunch of really smart people, data engineers, and data scientists that know what they’re doing and know how to code the machine and code the data. Because it’s a bank they’ll have lots of on-premise infrastructures, lots of server power, lots of space that they can bring in a huge amount of data, and again, oftentimes because its banks, whether it’s credit card companies or mortgage companies or any type of financial transaction related businesses, they have a huge amount of information in terms of how people utilize their products, their financial services products. So they’re able to do a huge amount of analysis engineer that day to process that data have the smart guys, in terms of the data scientists looking at that and then being able to build out decision models in terms of is Arup going to default on his credit card is Arup looking like the type of person we want to be able to make a mortgage loan to etcetera. That’s kind of AI at the functional level. Utilizing a huge amount of Human Resources to build out, I got a very powerful and of course a very expensive function. So that’s what I call AI at the functional level. A lot of big institutions are doing that, but you need to be a very, very large scale well established enterprise. Again, oftentimes banks are in terms of financial services to be able to have that type of a function. Whereas I think a lot of companies now are starting to realize that AI is now being embedded more into the application, that you can get it in all of those different capabilities. You don’t necessarily know how the AI is working 100%, it’s a little bit of a black box, but that’s okay if you know that you’re buying into one of those companies and you know that as you plug it in into your sales process, you plug it into kind of your sales enablement and engagement processes that you start to see the value, it starts to help automate decisions, it makes life easier for the sales rep, that’s the application level kind of deployment of AI. If you talk about our enablement leaders going to apprehend and everyone nervous about engaging with AI I don’t think they are, I think it’s just a case of being able to realize that a lot of the AI though, that enablement leaders work with is already there, it’s already embedded into their application, it’s already embedded into the way that they’re kind of working. So the big challenge for enablement Leaders is if you have all of those applications, how do you ensure that in a way the AI across each of those individual platforms is working in as harmonized a manner as possible? I think again there are a lot of talks that’s been coming out recently about Frankenstein where you end up with too many kinds of different tools within your sales stack, they don’t necessarily fit together really well. The AI within each of those tools is kind of sending you up to different decisions and different kinds of insights that might not be harmonized. So whilst you’ve got all of this AI the challenge for an enablement Leader might not be the desire to utilize AI might actually be the sort of problem that AI delivers, because if you’ve got all of these applications, you may suddenly find that actually the decision that you’re getting from, it is not necessarily harmonized all the way through. SS: I love that now, AI helps make predictions but it’s up to enablement teams to really utilize these predictions for success. What are some of the ways in which you’ve leveraged AI predictions to aid in decision-making? AC: Thank you for asking that. I'd love to call out my time at Elavon, which is my most recent company. I joined Equifax about 6 or 7 weeks ago, so I’ve still yet to figure out where we have some of these opportunities and what we can develop and do, and perhaps what are some of the vendors and deployment capabilities we’re going to look at. More recently Elavon, I spent seven years there, and in the last three years looking at developing and building out a customer data platform capability with AI embedded into it. What we did with that was a really simple business retention use case, a kind of customer retention use case. Elavon merchant services is a payments processor. So our portfolio of customers is huge so we have in the region of 200,000 plus customers across all of Europe. So we have a very big portfolio of S&B customers that are remotely managed and we have naturally a very small proportion of account managers as opposed to the number of accounts in the portfolio. In fact, we’ve got about 50 to 60 account managers against a total portfolio in that S&B space, a total portfolio of more than 100,000 accounts. You’ve got a very big portfolio and a very small team on a proportionate basis. So when it comes to saving customers when it comes to retaining customers, that’s the biggest challenge that the team had. In a lot of instances, they weren’t even necessarily speaking as proactively as they would like to an individual customer in that portfolio on a regular basis. So the challenge that we have is how do you then flag up customers into the team that could be at a much higher risk of canceling. Through that customer data platform, the CDP solution that we deployed, we were able to train that with the AI data with the huge amount of information that we had in terms of where we’ve seen retention, retention challenges, where customers had canceled, equally where customers have been going to cancel but we’d save them. We trained that entire environment. So effectively what we could start to do was about 3-4 months ahead of a customer potentially canceling. We were able to see some of the signals and those signals that were coming through would give us an indication that this customer is at risk of canceling. So we did that and we did. Obviously no longer with them, but of course very proud of the team because we deployed that, and certainly through the course of 2021 we worked through a total list of about 7500 customers. About 50% of those customers were genuinely at risk of canceling. We caught those 50%. You’re talking about 3200 customers. We caught those customers 2 to 3 months ahead of canceling. And again, not my team, but this is the account management team, we facilitated their effectiveness, and we facilitated their productivity so they had the right conversations at the right time and were able to save about 80% of those customers, which is fantastic. So all in all, you know across the board, the contribution that my team made through that AI deployment through the customer data platform, the contribution that the team made was now $2 million through the course of 2021. So really pleased in terms of a simple use case like that, which is like how do you identify customers that are potentially going to cancel, be confident about that and get in front of that conversation before the customer does cancel. SS: In your experience, what are some of the business outcomes that you’ve been able to correlate to your AI-driven programs? AC: So again, in the context of say using something like a customer data platform and then utilizing that with insights in terms of what you should do, absolutely, it kind of goes in two directions. For me it’s the direction of how you generate more revenue through cross-sell, upsell, better engagement with the customer, or even deal conversion or how do you protect revenue by promptly identifying customers that are potentially at risk of canceling. So again not that we do not use this capability but you know again just through my reading and understanding of the marketplace. I think a lot of what we’re seeing in terms of business outcomes has got to be and we were talking about it from an enablement perspective again we’re talking about revenue enablement has got to be that. It’s got to be like how do we help sellers be more confident, be focused and more productive and focused on the right deals at the right time and be more confident in that engagement so that they can increase their sales conversion rates, their win rates and AI should be able to help with that. The CDP platform that I deployed at Elavon offered up a 2 to 3 times stronger win rate, and a sales conversion rate than you would have on your average. We piloted that and it proved itself in that context on the flip side as well you should be able to then engage with customers that are potentially going to cancel so you want to hold onto and protect that revenue again, AI should be able to identify those customers before they go through that process, before they experience any dissatisfaction or any challenges and they threatened to cancel. AI should be able to help you get ahead of that so that you can protect that revenue. SS: Fantastic. Now, the last question for you Arup. With AI technology and capabilities constantly evolving, what predictions do you have for the future of these tools and how they might continue to drive innovation and enablement? AC: I think one of the biggest trends I think that we’ll see over the next 3-4 years is consolidation. I think there are a lot of applications and platforms out there. Clearly, there will be some consolidation, that happens all the time. Each of the different providers and players in the marketplace is just trying to identify which part of that revenue value chain do they not have in their mix today that they could stretch into, and is there a platform in that place? Oftentimes facilitated by AI the primary players will buy, so again, I think that consolidation of these different tools and capabilities so that the sales stack starts to become a lot more, for lack of a different expression, consolidated. That is the direction that it’s going and I think that the part of the challenge, again, that’s a double-edged sword, that makes it easier sometimes for a customer, a kind of a buying client in that space that’s looking for those types of tools, it makes it easier for buying clients to get to the right decision, but also you could end up with a loss of some of the sophistication and some of the kind of the features and the benefits and the quality of the capabilities in terms of the current context as it sits across all of these different providers. So consolidation is a good thing in some respects for buyers that want to buy AI, want to buy this kind of sales stack and marketing stack, and want to buy that capability. It’s good because it simplifies the buying decision but also maybe, you know, again, as I said, I think maybe a bit challenging in terms of loss of features and benefits etcetera. So that’s number one, I’d say, absolutely consolidation. I think number two, within that technology space, integration. So you want to see a number of the different key providers that are still big names that continue to have a market presence, looking to integrate more with each other. So this notion of frenemies, working closely with another provider in that space, in the sales stack and utilizing AI machine learning. Providers that are able to kind of work together and think about that sort of revenue value chain and being able to build out a kind of a coordinated comprehensive solution set. I think that the integration piece is going to be key and I guess part of that integration piece will be how do you get much more API kind of glue-based capabilities, as opposed to types of capabilities that help add your AI-driven sales stack into your core business platforms. That’s the space where I think a lot of things will start to evolve. I think you know in terms of AI it’s already driving a lot of sophistication. So you’ve already got speech analytics in terms of conversation intelligence, you have text analytics obviously you know, in terms of kind of revenue intelligence. Again all of that’s going on there, so the power of AI it’s really fantastic to know where it’s going. I think that the key will be how that all starts to come together in a more consolidated manner. SS: Thank you so much, Arup. I greatly appreciated the opportunity to reconnect with you and have you share your insights with our audience. Thank you. AC: That’s very kind, thank you very much for inviting me. SS: To our audience, thanks for listening. For more insights, tips, and expertise from sales enablement leaders, visit salesenablement.pro. If there is something you'd like to share or a topic you'd like to learn more about, please let us know we'd love to hear from you.

V Interesting with V Spehar
Credit Score Schemes, The FBI Goes South, Political TikTok Strikes Back

V Interesting with V Spehar

Play Episode Listen Later Aug 16, 2022 40:15


They determine our financial livelihood. They use our past against us so we can't move forward. And no matter how hard we try, they never make us feel creditworthy. Today, V's talking about the outdated and scammy credit score system, and how it's disproportionately affecting women and communities of color. Equifax? More like Equifake! We'll also hear about why the FBI is busy handling investigations against Trump and branches of the Southern Baptist Convention. Plus, how one of V's favorite political TikTokers uncovered an ugly truth about local elections. Then, stay tuned for an honest and vital conversation about prioritizing our mental well-being with Zak Williams. We'll hear about the new mental health hotline 988 and how the death of Zak's father, Robin Williams, helped start him on his own path to better mental health and advocacy work. Follow Zak at @zakwilliams on Twitter and @zakpym on Instagram.  Keep up with V on TikTok at @underthedesknews and on Twitter at @VitusSpehar. And stay up to date with us on Twitter, Facebook, and Instagram at @LemonadaMedia.  Click this link for a list of current sponsors and discount codes for this show and all Lemonada shows go to lemonadamedia.com/sponsors. Joining Lemonada Premium is a great way to support our show and get bonus content. Subscribe today at bit.ly/lemonadapremium. See omnystudio.com/listener for privacy information.

Mindfully Rich Podcast
Conversation #102 | The 3 Habits Killing Your Credit Score During Inflated Times Episode

Mindfully Rich Podcast

Play Episode Play 60 sec Highlight Listen Later Aug 15, 2022 26:25


Welcome Back to another great episode of The Mindfully Rich Podcast, ya'll! Always have to start with gratitude; thank ya'll so much for listening and supporting me in keeping this podcast's listeners up!  For those of you that are new, welcome; I'm the new best friend in your head who likes to talk about money and your newest unofficial money accountability partner!  Sit back; you'll love it here!Today I'm ending the How to Survive Financially During A Recession Series, which focused on assisting you with sustaining and maintaining this economy that's giving uncertainty energy with a large side of inflation.  Today I'm talking about your credit and the three habits you may be doing that are killing your score, especially during inflated times.  If your credit habits have your credit coming up short, I have two solutions to assist you: First, my Breakthrough Calls;  So is this service right for you? If you have a problem with your credit, money, or finances in general, and you're tired of trying to figure it out on your own and want honest advice to get the results you need and don't want a long-term commitment, then this service is for you.  My Breakthrough Calls are an hour, and the call is structured to analyze your problem, and develop your plan of action, so you can move forward on your own to execute.  Click Here to book a Breakthrough Call and schedule your appointment with me now!Last, my 1:1 Coaching: Is this service right for you? So just like my breakthrough calls, if you have a problem with your credit, money, or finances and the podcast gems aren't enough for you, or you've paid others to assist you with no real change to your problems, or if you need a coach to guide you through the root of your situation to maximize your solution results, keep you accountable, and build your self-discipline, then my 1:1 coaching is the right fit for you!  This three-month commitment will help you make healthier financial habits after our 90-day time together.   Click Here to reserve your 1:1 Coaching and schedule your first appointment with me now!If you want to advertise your service or business on the podcast, sponsor a show, or sponsor the "Let's Talk About Money" segment, email themindfullyrichpodcast@gmail.com  to get the details and rate sheet today.  #TheMindfullyRichPodcast #Moneymindset #Recession #Inflation #MultipleIncomeStreams #PassiveIncome  #SavingMoney Thank you for listening, sharing, and supporting me throughout this podcast journey; I hope the info I share here is valuable to ya'll, and I'm forever blessed for ya'll for listening.Don't forget to listen, listen, listen and share this episode with ERRRRBody; keep writing those reviews too, and remember ya'll, my marketing team and support system, so please support my black business!

En Perspectiva
Entrevista Santiago Parodi - Clearing de Informes ¿Cómo funciona realmente?

En Perspectiva

Play Episode Listen Later Aug 15, 2022 48:49


¿Cuántas veces escucharon la expresión “estar en el Clearing”? Para la mayoría de los uruguayos, figurar en esa base de datos se asocia a a la imposibilidad de acceder a nuevos créditos por problemas graves de deudas, una situación que afecta la economía y la salud de miles de personas. Por ejemplo, hace unas semanas, aquí En Perspectiva la abogada, y ex jueza, Dora Szafir, que se ha especializado en el tema del sobreendeudamiento, señalaba que el clearing de informes es una suerte de “estigma” que a muchas personas les provoca una especie de “muerte civil”. Szafir viene alertando sobre esta situación en el Parlamento, que tiene a estudio varios proyectos de ley que buscan reestructurar las deudas de las personas físicas y también establecer una mayor regulación sobre las tasas de interés que cobran las instituciones prestamistas. Mientras estos proyectos son discutidos, la empresa Equifax, que es dueña de la base de datos del Clearing de Informes, lanzó en estos días una campaña de comunicación destinada a informar sobre la toma de créditos y promover el cuidado de las finanzas personales. ¿Cómo funciona el clearing de informes? ¿Qué rol juega en el mercado del crédito? Conversamos En Perspectiva con Santiago Parodi, director general de Equifax.

MoneyWise on Oneplace.com
Protect Kids, Parents Online

MoneyWise on Oneplace.com

Play Episode Listen Later Aug 12, 2022 25:20


We've reported many times how identity thieves target seniors. Now it seems they're going after kids, too. And it's way more common than you might think. We'll talk about how you can protect your kids and elderly parents today on MoneyWise. According to the research firm Javelin, 1.25 million children have their identities stolen each year. And sadly, most of those victims actually know the perpetrators, meaning their often family or friends. Meanwhile, the Federal Trade Commission gets about 170,000 complaints for elderly identity theft annually, but some analysts say that figure is far below the actual number because many seniors are embarrassed about being defrauded and don't report it. If you have children or elderly parents, here's what you can do to protect them, and if you haven't taken these steps to safeguard your own finances, now's the best time to do it. ACTION STEPS First, make sure that the information in your accounts is correct, including name, home address, mobile phone, and personal email address. Then make sure you're using a strong and unique password for each account. You can subscribe to a password manager app to help with that. It'll probably advise you to change your passwords when they're a year old. Also, don't store lists of passwords on your computer or on sticky notes next to it. If an account offers two-factor authentication, use it. This might mean having a PIN number sent to your mobile phone when you try to access an account. You can also sign up for email or text notifications for things like a password reset, address change, failed login attempts, and funds withdrawal. Then, pay attention to those alerts. If you get one for an activity you didn't initiate, notify the company immediately, and always look at your monthly statements for anything fishy. For a monthly fee, you can sign up for identity theft protection with a company like LifeLock, Identity Guard, or Norton. You can also sign up for something called Informed Delivery with the Post Office. It'll notify you when packages are on the way so you can track them and get them inside before porch pirates can steal them. And of course, watch your mailbox and take in your mail promptly to avoid theft there. FREEZING YOUR CREDIT Now, probably the best thing you can do to protect your identity (and that of your kids and elderly parents) is to freeze your credit and theirs at the three credit reporting bureaus, Experian, TransUnion, and Equifax. You can do that online, by phone, or by mail. A freeze blocks anyone's attempt to get access to your credit reports. So if an identity thief tries to open an account or take out a loan in your name, the lender can't see your credit report, and they'll automatically deny the loan or decline to open the account. You must sign up to freeze your credit at each of the three bureaus individually. You'll need to provide your Social Security number, date of birth, and address, and then depending on how you sign up online, by phone, or by mail you may need to provide copies of your passport, driver's license, or military ID, tax forms, bank statements or a utility bill. It's free to freeze your credit and free to lift the freeze. By the way, it doesn't affect your credit score. Once you sign up, you can obtain a PIN or password to freeze and unfreeze your credit reports as needed. And of course, all of that applies if you're trying to freeze the credit of an elderly parent, as well. But what if you want to freeze your child's credit? Again, you would contact the three credit bureaus individually. When you request the freeze, the bureaus will have to create credit files for your child before they can freeze them. You'll have to provide the child's Social Security number, date of birth, address, and a copy of the child's birth certificate designating you as a parent, which authorizes you to freeze the child's credit. You'll also want to limit the amount of personal information you post on social media, and that includes yourself as well as your children and elderly parents. Keep addresses, birthdays, and phone numbers out of social media. And while you're at it, beef up the privacy settings on all of your social media platforms and apps. Scammers need very little information to get a foothold on stealing someone's identity. On today's program, Rob also answers listener questions: ● What steps should you take to invest savings at age 25? ● At age 65 should you be investing in the market? ● Should you tithe on insurance death benefits proceeds? ● Is it a good idea to invest in cryptocurrency? ● What kind of capital gain might you expect on inherited property? RESOURCES MENTIONED: ● Betterment ● Wealthfront ● Schwab Intelligent Portfolios ● Vanguard digital adviser Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

MoneyWise on Oneplace.com
Protect Kids, Parents Online

MoneyWise on Oneplace.com

Play Episode Listen Later Aug 12, 2022 25:20


We've reported many times how identity thieves target seniors. Now it seems they're going after kids, too. And it's way more common than you might think. We'll talk about how you can protect your kids and elderly parents today on MoneyWise. According to the research firm Javelin, 1.25 million children have their identities stolen each year. And sadly, most of those victims actually know the perpetrators, meaning their often family or friends. Meanwhile, the Federal Trade Commission gets about 170,000 complaints for elderly identity theft annually, but some analysts say that figure is far below the actual number because many seniors are embarrassed about being defrauded and don't report it. If you have children or elderly parents, here's what you can do to protect them, and if you haven't taken these steps to safeguard your own finances, now's the best time to do it. ACTION STEPS First, make sure that the information in your accounts is correct, including name, home address, mobile phone, and personal email address. Then make sure you're using a strong and unique password for each account. You can subscribe to a password manager app to help with that. It'll probably advise you to change your passwords when they're a year old. Also, don't store lists of passwords on your computer or on sticky notes next to it. If an account offers two-factor authentication, use it. This might mean having a PIN number sent to your mobile phone when you try to access an account. You can also sign up for email or text notifications for things like a password reset, address change, failed login attempts, and funds withdrawal. Then, pay attention to those alerts. If you get one for an activity you didn't initiate, notify the company immediately, and always look at your monthly statements for anything fishy. For a monthly fee, you can sign up for identity theft protection with a company like LifeLock, Identity Guard, or Norton. You can also sign up for something called Informed Delivery with the Post Office. It'll notify you when packages are on the way so you can track them and get them inside before porch pirates can steal them. And of course, watch your mailbox and take in your mail promptly to avoid theft there. FREEZING YOUR CREDIT Now, probably the best thing you can do to protect your identity (and that of your kids and elderly parents) is to freeze your credit and theirs at the three credit reporting bureaus, Experian, TransUnion, and Equifax. You can do that online, by phone, or by mail. A freeze blocks anyone's attempt to get access to your credit reports. So if an identity thief tries to open an account or take out a loan in your name, the lender can't see your credit report, and they'll automatically deny the loan or decline to open the account. You must sign up to freeze your credit at each of the three bureaus individually. You'll need to provide your Social Security number, date of birth, and address, and then depending on how you sign up online, by phone, or by mail you may need to provide copies of your passport, driver's license, or military ID, tax forms, bank statements or a utility bill. It's free to freeze your credit and free to lift the freeze. By the way, it doesn't affect your credit score. Once you sign up, you can obtain a PIN or password to freeze and unfreeze your credit reports as needed. And of course, all of that applies if you're trying to freeze the credit of an elderly parent, as well. But what if you want to freeze your child's credit? Again, you would contact the three credit bureaus individually. When you request the freeze, the bureaus will have to create credit files for your child before they can freeze them. You'll have to provide the child's Social Security number, date of birth, address, and a copy of the child's birth certificate designating you as a parent, which authorizes you to freeze the child's credit. You'll also want to limit the amount of personal information you post on social media, and that includes yourself as well as your children and elderly parents. Keep addresses, birthdays, and phone numbers out of social media. And while you're at it, beef up the privacy settings on all of your social media platforms and apps. Scammers need very little information to get a foothold on stealing someone's identity. On today's program, Rob also answers listener questions: ● What steps should you take to invest savings at age 25? ● At age 65 should you be investing in the market? ● Should you tithe on insurance death benefits proceeds? ● Is it a good idea to invest in cryptocurrency? ● What kind of capital gain might you expect on inherited property? RESOURCES MENTIONED: ● Betterment ● Wealthfront ● Schwab Intelligent Portfolios ● Vanguard digital adviser Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Eversheds Sutherland – Legal Insights (audio)
Buy now, Pay later: The journey to regulation in the UK - Episode 3 - Credit Reporting

Eversheds Sutherland – Legal Insights (audio)

Play Episode Listen Later Aug 9, 2022 23:10


We are delighted to be joined by Stuart Holland, Director of External Affairs at Equifax in episode three of our Buy Now, Pay Later podcast series to discuss the proposals relating to creditworthiness and credit reporting. We cover what Credit Reporting Agencies (CRAs) do, what credit files are and how these are currently used by lenders and borrowers, HMT's proposals for credit reporting and creditworthiness checks for Buy Now, Pay Later (BNPL), what role credit reporting and credit files play in helping BNPL providers navigate their regulatory responsibilities regarding creditworthiness, vulnerable customers and avoiding over-indebtedness and the wider implications of the proposals on consumers and lenders and how the data will feed into credit files.

El Taco Financiero podcast
Como Uber y Airbnb reflejan que las vacaciones son sagradas en este verano

El Taco Financiero podcast

Play Episode Listen Later Aug 8, 2022 11:55


Esta semana en el podcast: Uber, Airbnb y las vacaciones sagradas en este verano.Te platicamos sobre los últimos resultados trimestrales de Uber y Airbnb, dos empresas que cambiaron para siempre el transporte y la industria hotelera.Ambas empresas rompieron récords en su operación, mostrando que cada vez estamos gastando más nuestro dinero en experiencias y menos en cosas para el hogar, revirtiendo la tendencia que vimos durante la pandemia y confirmando que para los consumidores, las vacaciones son sagradas!Te vamos a platicar lo que piensan sus CEOs sobre el consumidor y sobre lo que esperan para los próximos meses!Antes de comenzar, te platicamos cómo va el saldo de la deuda de las familias en Estados Unidos, un error gravísimo de un buro de credito en tu historial, y los últimos números de empleo que muestran a un mercado laboral sin recesión económica!Puedes encontrarnos en todas las plataformas de podcasts, así como en redes sociales, estamos en Instagram, Facebook, Twitter y en nuestro sitio web en www.tacofinanciero.comEn televisión, también puedes encontrarnos todos los martes en el noticiero de Alejandra Oropeza, en Canal 13 Chiapas. Puedes verlo haciendo click AQUI.Support the showSupport the show

Burr Martin Experience
Burr Martins Nearly News 301 Aug 5

Burr Martin Experience

Play Episode Listen Later Aug 6, 2022 47:56


We're back with season 3 of the popular and world-renowned Nearly News where an older married couple discuss the strangest news stories of the week.This weeks stories talk about a real life Squid Games, Don't shoot people over cold fries,  Inmate used hemorrhoid cream to open hole in jail,   Chrisley Knows Jail Time, Equifax will be ok, a poo in the sea, Icelands horse emailers, breastfeeding in the pool and more!So listen in and have a laugh.Please Rate or Review us on iTunes: https://podcasts.apple.com/us/podcast/burr-martin-nearly-news/id1070884986WATCH EPISODES ON YOUTUBE AT: https://youtu.be/ymGSu9zBEBYWatch my other videos at: https://www.youtube.com/heroicposestudioFacebook: https://www.facebook.com/burrmartinexperience/Twitter @burrmartinInstagram @therealburrmartinQuestion or comment? Email at burrmartinmedia@gmail.comVisit my new and improved website! http://burrmartin.wixsite.com/burrListen commercial free and get other bonus stuff for only $1.00 a month at https://www.patreon.com/pantspendingIn Time by Robbie RobListen on any platform.#ApplePodcast, #GooglePodcast, #Spreaker, #Overcast, #Castbox, #PocketCasts, #spotify, #buzzsproutBurr Martin Nearly News podcast, brought to you by Pants Pending Studios, is hosted by the Internet's "Selfie Dad", who was made famous overnight by recreating his daughters selfies on Instagram.Joined by his wife/co-host of more than 28 years, Burr brings his unique brand of humor, nerd experience and C List Internet celebrity status to talk about the strange, odd and downright funny news stories from around the World, plus a few other surprises thrown in.A product of Pants Pending Studios. This is a copyrighted internet broadcast. Any reproduction or rebroadcast without express permission of its creators is strictly prohibited. 

How to Money
Friday Flight - Child Labor, Equifax's Idiocy & Utility Bill Hacks #549

How to Money

Play Episode Listen Later Aug 5, 2022 31:38 Very Popular


Time for our Friday Flight! These episodes are a sampling of the week's financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: HTM sock giveaway winners, more Google Map biking features, credit card companies are fighting for your business, cheap millennials are worse tippers, jumping ship to earn 10% more, why we're proponents of child labor, US Bank exploiting their customers, pernicious hotel fees, Equifax continues to blow it, & a quick utility bill hack.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don't be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out!See omnystudio.com/listener for privacy information.

Crain's Daily Gist
08/08/22: Fate of historic photo archive finally decided

Crain's Daily Gist

Play Episode Listen Later Aug 5, 2022 19:10 Very Popular


Crain's reporter Ally Marotti talks with host Amy Guth about Johnson Publishing's historic Ebony and Jet magazine photo archive heading to the Smithsonian, with a portion staying in Chicago. Plus: U.S. declares monkeypox a public health emergency to access funds; July weed sales up, but growth is slowing; Buona Beef and Original Rainbow Cone expanding outside Chicago area with franchises; and Equifax may face class-action lawsuit after credit-score glitch.

Marketplace Morning Report
The CHIPS Act isn’t just about semiconductors. It also funds science.

Marketplace Morning Report

Play Episode Listen Later Aug 5, 2022 8:15


The CHIPS and Science Act puts aside tens of billions of dollars in funding for the National Science Foundation, the nation’s government research agency. We talked to the NSF’s director, Sethuraman Panchanathan, about what the money means and how it would contribute to American scientific advancement in coming years. Democratic Senator Kyrsten Sinema of Arizona, a key swing vote in the party, announced yesterday that she would support the party’s “Inflation Reduction Act” tax and climate bill. A class-action lawsuit has been filed against Equifax, which acknowledged that some users’ credit scores were miscalculated due to a “coding issue.”

Marketplace All-in-One
The CHIPS Act isn’t just about semiconductors. It also funds science.

Marketplace All-in-One

Play Episode Listen Later Aug 5, 2022 8:15


The CHIPS and Science Act puts aside tens of billions of dollars in funding for the National Science Foundation, the nation’s government research agency. We talked to the NSF’s director, Sethuraman Panchanathan, about what the money means and how it would contribute to American scientific advancement in coming years. Democratic Senator Kyrsten Sinema of Arizona, a key swing vote in the party, announced yesterday that she would support the party’s “Inflation Reduction Act” tax and climate bill. A class-action lawsuit has been filed against Equifax, which acknowledged that some users’ credit scores were miscalculated due to a “coding issue.”

WashingTECH Tech Policy Podcast with Joe Miller
Battle of the privacy bills; Meta's meltdown? -- Tech Law & Policy This Week

WashingTECH Tech Policy Podcast with Joe Miller

Play Episode Listen Later Aug 5, 2022 5:50


  Competing privacy bills may slow down kids' protection online   Three competing privacy bills have made negotiations on the Hill even more difficult as the Senate and House have 3 different versions – two of which focus specifically on creating stronger protections for kids online.    The one in the House that passed late last month is an overarching federal privacy framework that some legislators have objected to, particularly Maria Cantwell, the Democratic Senator from Washington State, who is concerned about a forced arbitration provision in the bill that would limit you from suing a company that violates your privacy.   Some lawmakers have also raised concerns about the fact that the federal privacy bill may weaken the privacy legislation that several states have passed for you if you live in California, Virginia, Colorado. Connecticut, or Utah.   But in addition to the House bill, we have two Senate bills that will almost certainly complicate negotiations – both of which focus specifically on your kids' privacy. Democrat Richard Blumental and Republican Marsha Blackburn's Kids Online Safety Act would give more control to parents, allow kids to opt-out of certain data practices, and impose requirements on companies to vet their products for potential harms to children.   The second  Senate bill to make it out of committee – sponsored by Massachusetts Democrat Ed Markey and Louisiana Republican Bill Cassidy – would ban companies from collecting children's data up to age 16, raising it from 13, which is the current minimum age imposed by the 1998 Children's Online Privacy Protection.    So lawmakers will need to parse through all three bills now and come up with some workable way forward. There's plenty of analysis in the Washington Post if you want to take a deep dive. And kids really are at risk – not just by the tech companies, but also the people we entrust them to every single day –  their schools   The Social Media Victims Law Center brought 2 lawsuits in last week against Meta, in the Northern District of California, on behalf of 2 Kentucky families who allege that Meta, through Instagram has created a "perfect storm of addiction, social comparison, and exposure to incredibly harmful content and product features,” that has given their kids eating disorders. Reuters previously reported that Meta is faced with 9 other lawsuits alleging that the company harms children's mental health.    And then when it comes to schools – Pia Ceres over at Wired reports on an uptick in the surveillance of students by their teachers and the police – teachers can actually monitor what kids are doing on their laptops.    Kids should be a priority. As a parent – I simply don't care as much about having a private right of action if someone violates my privacy – I mean it's a good thing to have, but it's not a must have. And we should have it. We shouldn't be trapped into arbitration, so I'm not really sure why arbitration is even on the table – we see what arbitration has done in the context of employment at these companies, severely limiting their remedies when they discriminate against their employees. So why would we do the same thing in the context of privacy?   But it's not a priority. Our kids are the priority. And I don't know why we have all of these competing bills when the focus should be on the kids who clearly aren't safe and secure in their schools, either physically or online.   Facebook still letting hate speech slip through   Facebook still lets hate speech slip through, though. It would be great to get legislation for that. But in the U.S. somehow we know what porn is when we see it, but we purport to not know what hate speech is. Anyway. I guess porn flourishes so, so should hate speech? Not really – I really don't see some mass shooter posting all kinds of hateful garbage on 4chan before he goes on a shooting rampage, as a victimless form of speech – just like some kinds of porn aren't victimless.   But Facebook has apparently learned nothing since Frances Haugen blew the whistle last year. AP reports that in its 3rd study of Facebook's content moderation practices, London-based Global Witness finds that Facebook is letting ads go up in Nigeria, in both English and Swahili, that compare people to donkeys, talk about rape … just really disgusting stuff that one would think the company would be equipped by now to take down.    But the Federal Trade Commission filed a lawsuit to block Meta's expansion into Virtual Reality through its acquisition of Within, a move the FTC says would pave the way for Meta to own the entire metaverse. Maybe that's why Facebook changed its name to Meta??? What a dumb name change – their whole strategy laid bare before it even got regulatory approval.   Equifax sued for shady credit scoring   Finally, here's something folks should have a private right of action for – incorrect credit scores. Equifax screwed up credit reports by more than 20 points, causing one of the class action plaintiffs in a federal lawsuit to accept a car loan under which she has to pay $540/month since she couldn't get the loan she should have gotten, which would have had her paying about $350/month. Equifax says it was a “coding error.” Yeah right. I'm sure the Fed hiking up interest rates had absolutely nothing to do with that – sure Equifax.  That's it for this week. You can find links to all of these stories in the show notes.   Stay safe, stay informed, have a great weekend. Ciao.

Chris Krok
Chris Krok Show: Mark Weaver on Top Stories

Chris Krok

Play Episode Listen Later Aug 5, 2022 15:27


Mark Weaver, formerly a Spokesman for the U.S. Dept. of Justice joined Westside Jeff in for Chris Krok. The Pentagon orders USS Reagan to stay in the region because of China. Brittney Griner is sentenced, and Equifax is in hot water. Find out here. Support the show: http://www.wbap.com/chris-krok/See omnystudio.com/listener for privacy information.

Marketplace Minute
Democrats appear to have the votes for climate, health care bill - Marketplace Minute - August 5, 2022

Marketplace Minute

Play Episode Listen Later Aug 5, 2022 1:50


Senator Kyrsten Sinema, the final Democrat holdout, said she will back the measure; Equifax lawsuit claims erroneous credit scores were harmful; Alex Jones civil trial to focus next on punitive damages in defamation case To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

WSJ Your Money Briefing
Loan Applications Rejected After Equifax Misreports Credit Scores

WSJ Your Money Briefing

Play Episode Listen Later Aug 4, 2022 6:48 Very Popular


Millions of Americans' applications for mortgages, credit cards and other loans were jeopardized after Equifax misreported their credit scores to lenders. WSJ reporter Andrew Ackerman joins host J.R. Whalen with tips on clearing up errors in your own credit report . Learn more about your ad choices. Visit megaphone.fm/adchoices

The NewsWorthy
Bipartisan NATO Vote, Equifax Error & Bye ‘Batgirl' - Thursday, August 4th, 2022

The NewsWorthy

Play Episode Listen Later Aug 4, 2022 13:21 Very Popular


The news to know for Thursday, August 4th, 2022! We'll tell you about the next step for NATO now that American lawmakers have come together to open doors for new members. Also, the high-pressure situation left in Taiwan after House Speaker Nancy Pelosi's controversial visit, and another closely-watched election happening today. Plus, did your flight get delayed? That could soon mean getting a refund.  And a credit reporting agency may have messed up some people's chances to get a loan, and a top-rated chef is behind a cat food-inspired feast for humans. Those stories and more in around 10 minutes! Head to www.theNewsWorthy.com/shownotes for sources and to read more about any of the stories mentioned today. This episode is brought to you by Zocdoc.com/newsworthy and Indeed.com/newsworthy Thanks to The NewsWorthy INSIDERS for your support! Become one to get ad-free episodes here: www.theNewsWorthy.com/insider 

this Week in Real Estate
Open Door, REX, & Equifax set shining examples of what NOT to do in Real Estate Tech!

this Week in Real Estate

Play Episode Listen Later Aug 4, 2022 94:01


What in the what is happening in real estate?! The FTC fines Open Door for “allegedly tricking” consumers, REX gets sued in a wire fraud scam, and Equifax sends lenders inaccurate information. How did this all happen?! Join us today as we discuss those HOT topics along with interest rates FALLING, home prices COOLING, and mortgage applications HIKING. All that and so much more on today's episode of This Week in Real Estate!

BJ & Jamie
Equifax Credit Glitch

BJ & Jamie

Play Episode Listen Later Aug 3, 2022 3:49


Equifax had a credit glitch that gave people 25 more or 25 less points than they actually had on their credit score. People either got a higher rate than they should've or a lower one. 

Lance Roberts' Real Investment Hour
The Upper Middle Class is Feeling the Squeeze (8/3/22)

Lance Roberts' Real Investment Hour

Play Episode Listen Later Aug 3, 2022 47:51


(8/3/22) So we may NOT be in a Recession just yet: There could be positive economic growth in the 3rd and 4th quarters, but afterwards, look out! Robinhood's layoffs could be the prelude to more upheaval in the Jobs market. The economic squeeze on the upper-middle class; Curb-feelers, Mad Max, Cali, Utah, and the Americanization of Mexico; the significance of behavior in M-2 Money Supply. The impact of debt, and changes coming from the Secure Act 2.0; Why Fed Gov. Bullard wants 3.5% rates for a Fed "soft landing;" Equifax credit reporting gaffe; traveling on CC points, and the trouble with airlines. SEG-1: Why We May NOT Be in a Recession...yet SEG-2: What the Robinhood Layoffs May Be Heralding SEG-3: Changes Coming from Secure Act 2-0 SEG-4: Equifax Credit Scores and Traveling on CC Points RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=tNEgOoiQBeg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2728s -------- Our Latest "Three Minutes on Markets & Money: Can Markets Sustain July's Rally?" is here: https://www.youtube.com/watch?v=uJ_NeHXvnOw&list=PLVT8LcWPeAujOhIFDH3jRhuLDpscQaq16&index=1 -------- Our previous show is here: "When We Think the Recession Will Hit" https://www.youtube.com/watch?v=BSHaA05E-Ds&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2618s -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to RIA Pro: https://riapro.net/home -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Recession #Robinhood #Inflation #Deflation #FederalReserve #Layoffs #Mexico #Markets #Money #Investing

The Lead with Jake Tapper
Trump-backed election deniers win three key Arizona races

The Lead with Jake Tapper

Play Episode Listen Later Aug 3, 2022 78:22


Voters send a resounding message to Republicans about abortion rights in Kansas while in other states Trump-backed election deniers sail to primary victories. Plus, radio host Alex Jones has been caught lying on the stand about Sandy Hook. Then, a stunning report claims Equifax erroneously issued millions of Americans lower credit scores that they did not deserve.To learn more about how CNN protects listener privacy, visit cnn.com/privacy

HR Happy Hour
HR Tech Preview - Compliance & More with Equifax

HR Happy Hour

Play Episode Listen Later Aug 3, 2022 33:00


539 – HR Tech Preview - Compliance & More with Equifax Host: Steve Boese Guests: Sarah Beth Todd, Pre-Sales Leader for the Employer Services & Karen Loiterstein, Vertical Marketing Leader for the Employer Services This episode of the HR Happy Hour is sponsored by Paychex, one of the leading providers of HR, payroll, retirement, and insurance solutions for businesses of all sizes. The current business and hiring environment has redefined what it takes to succeed as an HR professional, requiring HR leaders to adapt and innovate at lightning speed to help their organizations remain competitive. Download the 2022 Paychex Pulse of HR report to discover the tools and tactics your peers are using to deliver on both HR and business objectives - faster and at scale - while still meeting the evolving needs of their employees. Visit payx.me/PHR2022 to download your copy, today. This week, we met with Sarah Beth Todd and Karen Loiterstein from Equifax for an HR Technology Conference preview. - How Equifax helps HR leaders solve critical challenges they face today - Ways to simplify the onboarding process and ensure you're "getting it right" - Tips to engage and retain vital lower income workers Thank you for joining the show today!  Remember to subscribe wherever you get your podcasts and we look forward to you joining us at the HR Technology Conference in September! Check out the 2022 agenda online, then register with code SB22F to save $300 on your pass here.

BJ & Jamie
Full Show

BJ & Jamie

Play Episode Listen Later Aug 3, 2022 94:24


Jamie finally found her keycard to let her into the building. It was in a shoe. 911 calls in the Denver Metro aren't being directed to the correct call centers. Demi Lovato is back to She/her instead of They/Them. BJ thinks he has a more active day than SMH Dil. Equifax had a credit glitch that gave people 25 more or 25 less points than they actually had on their credit score. Gordon Ramsay put out a video of him picking a live lamb to eat. Someone on Word of Mouth is really sad that Trader Joe's got rid of their pre made sangria. Jamie has a really busy weekend ahead of her. Ralphie needs back to school clothes and told Jamie he doesn't need her help shopping for clothes. There's a lot of people on word of mouth. asking for help watching their pets while they are out of town. Would you let someone that you didn't know watch your house? 

The Real Investment Show Podcast
The Upper Middle Class is Feeling the Squeeze (8/3/22)

The Real Investment Show Podcast

Play Episode Listen Later Aug 3, 2022 47:52


(8/3/22) So we may NOT be in a Recession just yet: There could be positive economic growth in the 3rd and 4th quarters, but afterwards, look out! Robinhood's layoffs could be the prelude to more upheaval in the Jobs market. The economic squeeze on the upper-middle class; Curb-feelers, Mad Max, Cali, Utah, and the Americanization of Mexico; the significance of behavior in M-2 Money Supply. The impact of debt, and changes coming from the Secure Act 2.0; Why Fed Gov. Bullard wants 3.5% rates for a Fed "soft landing;" Equifax credit reporting gaffe; traveling on CC points, and the trouble with airlines. SEG-1: Why We May NOT Be in a Recession...yet SEG-2: What the Robinhood Layoffs May Be Heralding SEG-3: Changes Coming from Secure Act 2-0 SEG-4: Equifax Credit Scores and Traveling on CC Points RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=tNEgOoiQBeg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2728s -------- Our Latest "Three Minutes on Markets & Money: Can Markets Sustain July's Rally?" is here: https://www.youtube.com/watch?v=uJ_NeHXvnOw&list=PLVT8LcWPeAujOhIFDH3jRhuLDpscQaq16&index=1 -------- Our previous show is here: "When We Think the Recession Will Hit" https://www.youtube.com/watch?v=BSHaA05E-Ds&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2618s -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to RIA Pro: https://riapro.net/home -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Recession #Robinhood #Inflation #Deflation #FederalReserve #Layoffs #Mexico #Markets #Money #Investing

BJ & Jamie
BJ Thinks He Is More Active Than SMH Dil, Equifax Credit Report Glitch, Tabloid Trash

BJ & Jamie

Play Episode Listen Later Aug 3, 2022 25:02


Hour 2 - BJ thinks he has a more active day than SMH Dil. Equifax had a credit glitch that gave people 25 more or 25 less points than they actually had on their credit score. Gordon Ramsay put out a video of him picking a live lamb to eat. 

The 6 Figure Side Hustle
Leveraging Your Credit Profile to Build Your Empire

The 6 Figure Side Hustle

Play Episode Listen Later Aug 3, 2022 50:10


Short on cash but can't wait to get started on your dream business? No problem! Join me in this episode as I share with you all the tricks I've learned on how to get high capital funding by leveraging credit companies. But first, you need to build a good credit profile. Listen in to learn how to improve your credit score, the best credit unions to reach out to and build good relationships with, and the things you should NEVER do if you have a poor credit score. "Credit is a strategy and if you know the game plan, you can get a lot of money for business leverage purposes." -Sabrina Brooks   In This Episode: - For entrepreneurs, credit is king, not cash. Find out why - Master these credit tricks to help you get a 6-figure funding - Familiarize yourself with the factors that affect your credit score - Discover a good way to monitor your account for fraud - List of companies you can apply to if you already have a good credit profile - 3 gold credit unions that give really high credit limits   Resources:  -https://www.equifax.com/ ( Equifax) -https://www.doctorofcredit.com/ ( Doctor of Credit) -https://www.creditkarma.com/ ( Credit Karma) -https://www.fico.com/ ( FICO) -https://www.experian.com/?pc=sem_exp_bing&cc=sem_exp_bing_ad_268599777_1184174572206043_74011131030393_74010968540947_e__k_e95676f7177314e2657114136aef2692_k_&ref=generic&awsearchcpc=1&msclkid=e95676f7177314e2657114136aef2692 ( Experian) -https://member.identityiq.com/Login.aspx ( IdentityIQ) -https://www.nihfcu.org/ ( NIHFCU) -https://tomocredit.com/ ( Tomo Credit ) -https://www.navyfederal.org/ ( Navy Federal) -https://applefcu.cusonet.com/ ( Apple Credit Union) -https://card.apple.com/apply/start ( Apple Credit Card) -https://www.americanexpress.com/ ( AMEX) -https://firsttechfed.com/ ( First Tech) -https://creditcards.chase.com/rewards-credit-cards/sapphire ( Chase Sapphire) Connect with Sabrina Brooks: - https://www.instagram.com/businessteabree/ (Instagram) - https://www.facebook.com/SabrinasStory (Facebook) - Facebook Groups: https://www.facebook.com/groups/pasecrets/ (Public Adjusting Secrets) and https://www.facebook.com/groups/velocityofmoneymovement/ (The Velocity of Money Movement) - https://www.linkedin.com/in/sabrina-brooks-670222237/ (LinkedIn) - https://www.youtube.com/channel/UCkps3GAIuUq8mz_qgUDcRRA (YouTube)

The Automotive Troublemaker w/ Paul J Daly and Kyle Mountsier
OEM Sales Struggling, Experian Giving the Wrong Number, Metaverse Jobs Lost In The Metaverse

The Automotive Troublemaker w/ Paul J Daly and Kyle Mountsier

Play Episode Listen Later Aug 3, 2022 20:15


We are fired up after a day of content creation and invigorating conversations! Today we dive into the OEM sales data from July, an issue with credit reporting from Experian, and a downturn in overall job listings pertaining to Metaverse roles across job boards. Time to kick it into high gear as we roll up our sleeves and get to work!July US Light Vehicle sales down 11%, Toyota down 21%, Honda down 47%, Mazda down 29%Toyota and Honda down for 12th straight month, Hyundai and Kia down 5 monthsToyota ended July with 104,790 vehicles in stock — 14,258 at dealers and 90,532 in port or transit — or a 16-day supply.Hybrids and plug-in hybrids rose 12 percent at Hyundai and 86 percent at KiaAmerican Honda said the Honda and Acura brands continue to see "unprecedented high turn rates," reflecting "strong retail demand" despite supply chain and logistics constraints"There are plenty of headwinds pushing against a notable recovery in sales volumes," Cox Automotive Senior Economist Charlie Chesbrough said. "Rising interest rates and low consumer sentiment are keeping many potential buyers out of the market. At the same time, higher prices for both gasoline and vehicles are making affordability an even greater challenge. Tight supply, however, continues to be the biggest obstacle over the near term, and there is little evidence of supply returning to normal."Avg interest rate was 5.5%, avg loan term 71 mosExperian reports inaccurate credit scores delivered for millions of customers affecting ratesprovided inaccurate credit scores on millions of U.S. consumers seeking loans during a three-week period earlier this year, according to bank executives and others familiar with the errors.Mark Begor, Equifax's chief executive, publicly acknowledged the flub at a June investor conference, calling it a coding issue that affected “legacy applications that resulted in some scores going out that had incorrect data” “The impact is going to be quite small,” Mr. Begor said, “not something that's meaningful to Equifax.Equifax told one large auto lender that about 10% of applicants during the three-week period had inaccurate scores, according to a person familiar with the matter. Of those, several thousand saw a change of 25 points or more on their credit score, the person said. In a small number of cases, applicants went from having no credit score at all to a score in the 700s—or vice versa, the person said.Metaverse job openings are down 81% between April and JuneA report from Bloomberg highlighting Revelio Labs study showed that postings for jobs relating to the “metaverse” dropped by a whopping 81% between April and June 2022Meta CEO cited “fierce headwinds” in a recent call while Apple CEO Tim Cook said the company was taking a more ‘deliberate' approach to hiringSlow adoption and low to no current revenue opportunities are driving the slowdownTake away: Exploration and innovation take a backseat to survivalGet the Daily Push Back email at https://www.asotu.com/Rock with us LIVE at ASOTU CON! Tickets: https://www.asotucon.comJOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/Read our most recent email at: https://www.asotu.com/media/push-back-emailShare your positive dealer stories: https://www.asotu.com/positivity