Podcasts about Experian

You think your two-factor authentication and credit monitoring make you safe online. Bad news - you're probably already compromised, you just don't know it yet.While you're worrying about AI becoming Skynet, real humans are using AI tools to drain your bank account $10 at a time.Anthropic just reported the first fully AI-orchestrated cyberattack (and patted themselves on the back for stopping it). Major security companies like F5 and Experian have been hacked. Even LifeLock—yes, the identity theft protection company—got breached. The EU is the only entity actually trying to protect you with GDPR, while your own government leaks your data like a sieve.This episode won't make you invincible, but it will make you paranoid in the right ways. We're breaking down the real threats, the tools actually being used against you, and why that "suspicious" Amazon charge from three states away probably isn't a GPS glitch.Get identity theft insurance (because you WILL get hacked), enable every alert on every account, audit your statements forensically, and accept that privacy is dead but protection isn't. Plus: why cryptocurrency is a hacker's wet dream and what to do when the FBI tells you your $3,000 isn't worth their time.(Note: This episode was originally published December 5th 2025)Topics covered:Why Anthropic's "we stopped the hack" announcement is actually terrifying PR spinThe $10 Amazon gift card scam that bled $4,000 over 18 months (and why fraud detection missed it)How hackers used in-flight WiFi to clone a credit card mid-flightWhy moving to the cloud made your data LESS secure, not moreThe sophisticated Zelle rental scam that costs thousands (and why cops won't help)What GDPR actually does right (and why the US government doesn't care about your privacy)Why "free" services mean YOU are the product being soldThe insurance policies worth paying for (because denial won't protect you)How to spot RFID skimming in your own neighborhoodWhy your partner needs access to your financial alerts (yes, really)----MORE FROM BROBOTS:Get the Newsletter!Connect with us on Threads, Twitter, Instagram, Facebook, and TiktokSubscribe to BROBOTS on YoutubeJoin our community in the BROBOTS Facebook group

What does it mean to build products that truly work for everyone — including the people most systems were never designed to include? Debbie Hsu, EVP of Product at Experian Consumer Services, joins Toni for a conversation that spans the full arc of her career — from software engineer at Oracle to leading product at one of the world's most significant consumer financial data companies — and gets into some of the most important questions facing product leaders today. Debbie leads the evolution of EVA, Experian's AI-powered virtual assistant, and brings a consumer-first lens to everything she builds. In this episode she shares how AI is changing team structures and role boundaries in product, why over-reliance on AI risks making every product look and sound the same, and what the socioeconomic stakes of AI access mean for product leaders who care about inclusion. She also shares three pieces of advice that I see as foundational to leading: Being humble is not the same as being invisible. Self-advocacy is not the same as bragging. And never let an official meeting be the first time people hear about your idea. What we cover: ⏹ The unplanned path from software engineer to EVP of Product — and what learning by doing really looks like ⏹ Why Debbie went back to business school to pivot into product management — and what actually landed her the job ⏹ How product leadership has evolved over 20 years: from Flash-based seat maps to AI-powered financial assistants ⏹ T-shaped builders and the blurring of roles in the AI era — what this means for product teams right now ⏹ The AI homogeneity risk: why over-reliance on AI makes products look and sound the same — and what differentiates the ones that don't ⏹ EVA: how Experian's AI assistant uses trusted credit data, expert compliance, and lender eligibility to go beyond generic AI responses ⏹ AI access as a socioeconomic equity issue — and why product leaders need to be part of this conversation ⏹ Financial inclusion and credit invisibility: what it means to build products for people the system overlooked ⏹ Being humble is not the same as being invisible ⏹ Self-advocacy is not bragging — and why visibility for meaningful work is a leadership skill ⏹ Never let an official meeting be the first time people hear your idea ⏹ Diverse voices in product: why every product leader has a responsibility to build inclusively Useful Links Connect with today's guest and sponsor, Debbie on LinkedIn at https://www.linkedin.com/in/debbie-hsu/ and find out more about Experian at https://www.experian.com. This episode was sponsored by our guest, Debbie Hsu. Thank you Debbie & Experian for helping to bring Leading Women in Tech to this community!

S19EP2: The Status Tax: Is That Tesla Actually a Debt Trap?Mark is back, and he's struggling. It's hard to feel good about a £20 side hustle profit when the guy in the next office just bought a 75 plate Tesla.In this episode, Zulfiqar Ali breaks down the "Wealthy vs. Workers" myth. He explores the "Status Tax" the high price people pay to look successful while being one missed paycheck away from disaster. From declined metal credit cards in London to Experian's data on PCP car finance, Zulf proves that true wealth is what you don't see. Learn the "Toy vs. Tool" rule and how to start your "Freedom Fund."Timestamps:0:00 - Mark and the 75 Plate Tesla1:40 - The Metal Card Reality Check4:01 - Understanding the Status Tax5:44 - The Truth About UK Car Finance (PCP/HP)8:37 - The Toy vs. Tool Rule11:16 - Why Ownership is the Ultimate FlexStop rotting. Start building. Resources and show notes at zulftalks.com/s19.#FinancialIndependence #ZulfTalks #Entrepreneurship #UKFinance #WealthMindset #SideHustle #DebtFree #PCPFinance

What if the most valuable business intelligence in your organisation has been hiding inside your contracts all along? Recorded live at Docusign Momentum in London, this episode explores why enterprise AI is at an inflection point. After years of focusing on what AI can create, the conversation is shifting towards how AI can help organisations understand the information they already have, remove friction from everyday work, and make better business decisions. Joining me is Allan Thygesen, CEO of Docusign. While many people still associate Docusign with electronic signatures, Allan explains why the company's vision has expanded far beyond that single moment in the agreement process.  Every business runs on agreements, from customer contracts and supplier relationships to employee onboarding and partnerships. The real opportunity, he argues, is transforming those agreements from static documents into business intelligence that helps organisations improve performance, reduce risk and uncover value that has often remained hidden for years. We discuss why decades of historical agreements are becoming increasingly valuable in the age of AI, how organisations are using agreement intelligence to shorten sales cycles from days to hours, and why understanding the context behind agreements can be just as important as the agreements themselves. Allan also shares his perspective on the rise of agentic AI, explaining why trust, governance and compliance will ultimately determine how quickly organisations allow AI to take on greater responsibility. Rather than viewing AI as another standalone tool, he explains why the future lies in connecting trusted data and workflows across the systems businesses already use every day. Throughout our conversation, we also explore why Docusign continues to build an open ecosystem through partnerships with companies including Anthropic, Harvey, Legora, OpenAI, Google, Salesforce, SAP and Thomson Reuters, enabling organisations to work with agreement intelligence wherever work already happens. After spending the day at Momentum hearing from customers like Harvey, Legora, Experian and AON, executives and attendees, one theme kept emerging. The organisations creating the greatest value from AI are not necessarily adopting the most AI. They're using it to remove friction, improve decisions and help people focus on work that genuinely benefits the business. Does your organisation still think of contracts as administrative files, or are they becoming a strategic source of business intelligence? I'd love to hear your thoughts after listening and continue the conversation.  

What does it take to leave a prestigious law career, join the most hated government program in history, and then launch a fintech startup with no clients, no marketing materials, and no industry relationships? Ian Lampl did exactly that. Host Mark Ritter welcomes Ian, founder and CEO of LoanStreet, to discuss the evolution of loan servicing, commercial lending, and the broader fintech landscape. Ian shares his journey from Wall Street attorney to TARP deputy counsel to entrepreneur, offering candid insight into what it takes to build a company from scratch in the credit union space. The conversation covers how credit union balance sheet management tools have matured and where the biggest gaps remain.What You Will Learn in This Episode: ✅ How loan participation has grown from a niche liquidity tool into a sophisticated balance sheet management strategy that more credit unions are using as a primary resource rather than a last resort.✅ Why credit unions tend to overestimate charge-off risk while underestimate prepayment risk, and how a stronger focus on total return could meaningfully improve lending program performance.✅ What sets modern loan servicing platforms apart from legacy systems, and why the complexity of commercial lending infrastructure makes it one of the hardest and most underserved areas in fintech.✅ How LoanStreet is expanding into private credit, Canadian credit unions, and European markets while deepening its consumer analytics capabilities through a partnership with Experian.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Mark opens with a look at 2026 lending trends and introduces loan participation expert Ian Lampl01:44 Ian reflects on his time at TARP, government oversight challenges, and lessons from the 2008 financial crisis06:18 From law firm to entrepreneur: Ian discusses the risk of leaving a stable career to build a fintech startup, and shares advice regarding starting your own business12:06 How the loan participation marketplace has grown in sophistication, scale, and frequency across the credit union industry15:15 Ian explains why credit unions underweight prepayment risk and how focusing on total return improves outcomes22:28 Inside LoanStreet's commercial loan servicing platform and why modern solutions in this space remain rare28:31 Ian discusses the upcoming growth expected for LoanStreetKEY TAKEAWAYS:

Today's episode includes a look at the performance of first-lien mortgages in the federal banking system during the first quarter of 2026. Plus, Robbie interviews First Lien Capital's Bill Bymel on how insurance challenges, AI adoption in servicing, and key leading indicators are shaping the next potential cycle of market distress. And we close with the latest payrolls figures, which missed expectations.Thank you to Experian. From lenders and landlords to employers and consumers, Experian helps connect the housing ecosystem with the data and insights needed to make faster, confident decisions. Lead a smarter housing journey with Experian.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Today's episode includes an explainer on why the stock market is not the economy. Plus, Robbie interviews PennyMac's Isaac Boltansky on key federal policy developments shaping the housing market and broader U.S. economy. And we close with an explainer on why inflation concerns are still the main driver of short-term interest rates.Thank you to Experian. From lenders and landlords to employers and consumers, Experian helps connect the housing ecosystem with the data and insights needed to make faster, confident decisions. Lead a smarter housing journey with Experian.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

1 Corinthians 4:2 says, “Moreover, it is required of stewards that they be found faithful.” Faithful stewardship does not happen by accident. The choices we make with money can either create unnecessary pressure or help us manage God's resources with wisdom, margin, and faithfulness. Here are six financial choices that can help us steward well what God has entrusted to us. 1. Spend With a Plan Proverbs 27:23 says, “Know well the condition of your flocks, and give attention to your herds.” For us, that means knowing what is coming in, what is going out, and whether our spending reflects our values. Without a plan, money tends to drift. A budget helps us practice faithfulness with what God has provided. A spending plan is not about restriction for its own sake. It is about clarity. It helps us make decisions with purpose instead of simply reacting to whatever feels urgent in the moment. 2. Choose the Right Car for Your Budget Most of us need reliable transportation. We need to get from point A to point B safely. But it is easy to confuse reliable transportation with a vehicle that strains the budget. According to Kelley Blue Book, the average new vehicle transaction price was more than $49,000. Experian reports that the average monthly payment for a new vehicle reached $770. And that is before insurance, fuel, maintenance, repairs, and depreciation. At FaithFi, we generally prefer being free and clear of car debt when possible. That may mean buying used, driving a car longer, or choosing function over status. The point is not to impress others with what we drive. The goal is to get where we need to go safely and wisely. 3. Count the Cost Before Taking on Debt Proverbs 22:7 says, “The borrower is the slave of the lender.” That does not mean all borrowing is sinful. But borrowing should never be treated casually. If we go into debt, we should make sure the economic benefit outweighs the cost. The question is not simply, “Can I afford the payment?” A better question is, “Will this strengthen my financial position, or will it create more pressure later?” Debt often makes today feel easier while making tomorrow more difficult. Wise stewardship requires us to look beyond the monthly payment and consider the long-term cost. 4. Prepare for the Unexpected Cars break down. Medical bills come. Jobs change. Homes need repairs. Proverbs 21:20 says, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” Saving is not hoarding when it is done with humility and wisdom. An emergency fund can help us avoid high-interest debt and make decisions prayerfully rather than desperately. Preparedness does not mean we are trusting in money instead of God. It means we are stewarding what He has provided so we can respond wisely when needs arise. 5. Choose Housing That Leaves Margin Homeownership can be a worthy goal, but owning a home is not the definition of financial faithfulness. Renting is not a waste when it provides affordable shelter and flexibility. The danger comes when we feel pressured to buy simply to say we have “made it.” If the payment is too large, we may become house poor—owning a home but lacking margin for giving, saving, repairs, utilities, food, transportation, and other necessities. We typically recommend keeping housing costs at 25-30% of take-home pay. We also generally recommend a 20% down payment when possible. But the goal is not simply to get into a house. The goal is to maintain affordable shelter and utilities while stewarding the rest of the budget. Recent housing data shows why this matters. A typical family earning the national median income needed about 32% of its income to cover the mortgage payment on a median-priced home. If homeownership is possible within wise limits, that is wonderful. But if renting allows you to maintain margin and faithfulness, do not despise it. 6. Make the Most of a Workplace Retirement Match Investing may not feel urgent when there are bills to pay today. But if your employer offers a retirement match, failing to contribute enough to receive it may leave part of your compensation unused. This is not about trusting in wealth for security. 1 Timothy 6:17 reminds us not to set our hopes “on the uncertainty of riches, but on God.” But trusting God does not mean ignoring wise preparation. If a workplace match is available, it can be a practical opportunity to steward well what has been provided through your employment. Start With Honesty and Surrender So where do we begin? Not with guilt or fear, but with honesty and surrender. Stewardship means being responsible in both the big and small financial decisions because everything we have belongs to God. That includes the budget, the car, the debt decision, the emergency fund, the housing payment, and the retirement match. None of these choices is isolated. Together, they shape how we manage what God has entrusted to us. If you need help setting up a budget, tracking your spending, or creating a plan, check out the FaithFi app at FaithFi.com/App. On Today's Program, Rob Answers Listener Questions: I'm 70, and my husband is 71. He's been self-employed for most of our marriage, and we've never really invested or saved much for retirement. We don't have a 401(k), and if we retired, we'd mostly rely on Social Security and would need to cut back significantly. My husband doesn't really want to retire, but I feel like we haven't been faithful stewards and need to start doing something. Where should we begin? My wife passed away in December, and I may be receiving life insurance proceeds. If I deposit that money into my checking account, will it affect my Social Security benefits in any way? I have to take required minimum distributions from my IRA each year. I've heard that if I give to charity directly from my IRA, it can reduce the taxable amount of my RMD. Is that correct, and is there a specific way I need to do that? I'm almost 70 and in a blended family. The money I earned and invested before marriage is separate from my husband and will go to my daughters. After I moved investments between firms and lost money, my current advisor put me into three annuities. I want security, wise stewardship, and a way to leave something for my children, but I'm confused about the annuities, taxes, and withdrawals from these pre-tax IRA accounts. I'd also like a Certified Kingdom Advisor to review my situation. What should I do? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today's episode includes a look at how investors are interpreting policy and volume indicators to make informed decisions. Plus, Robbie interviews Experian's Likhitha Mahendar Singh how the modern first-time homebuyer has evolved, why rental payment data is reshaping how lenders identify mortgage-ready borrowers, and how a data-driven approach can help better target, underwrite, and serve the next generation of homeowners. And we close with an explainer on why short-term bonds are now subject to volatility from economic data.Thank you to Experian. From lenders and landlords to employers and consumers, Experian helps connect the housing ecosystem with the data and insights needed to make faster, confident decisions. Lead a smarter housing journey with Experian.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Today's episode includes a look at the practical use cases for AI in mortgage. Plus, Robbie interviews Clear Capital's Jason Legare on why appraisal modernization adoption remains uneven despite clear efficiency gains, where alternatives such as inspection-based waivers are gaining traction, and the operational and cultural barriers slowing broader acceptance. And we close with a primer on the implications of higher or lower implied volume on spreads and prepayment activity.Thank you to Experian. From lenders and landlords to employers and consumers, Experian helps connect the housing ecosystem with the data and insights needed to make faster, confident decisions. Lead a smarter housing journey with Experian.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Credit repair is not just a personal finance topic. If you want to use DSCR loans to scale your real estate portfolio, it is the first step, not an afterthought.In this episode, I break down exactly why your personal credit score determines whether a DSCR loan will work for you at all. Your credit score determines your rate. Your rate determines your cash flow. And your cash flow determines whether the deal makes you money or costs you money.I am also sharing something personal. My own credit took a hit from an ongoing business debt issue that has lasted over 18 months. I am currently working with Freedom Debt Relief to get it settled and cleaned up. Yes, that means a temporary hit to my credit bureau for six to twelve months. But the alternative is staying stuck, paying 20 to 22 percent interest on deals that should never have gotten that expensive in the first place.This episode is for the investor who keeps getting told to leverage up and buy more without anyone explaining that personal debt is the actual gatekeeper to every DSCR loan you will ever try to close.In this episode:— Why personal debt determines your DSCR rate before you ever submit an application— The credit score thresholds DSCR lenders actually require, from 600 to 720 and above— How to use the Experian mortgage credit score to see where you really stand— The debt snowball method and how to actually pay off personal debt that is holding you back— Why a 1.25 DSCR ratio is the target in every market condition, good, bad, and crappy— How to stress test rents using 10, 20, and 30 percent reduction scenarios— My own credit repair journey and why I chose debt settlement over the snowball method— The financial freedom sequence every investor needs to follow before chasing more propertiesIf your personal debt is holding back your real estate goals, share this episode with someone who needs to hear it. More tools and resources at trutalk.co

The latest appearance on the Auto Remarketing Podcast by Melinda Zabritski, Experian's head of automotive financial insights and Automotive Intelligence Award recipient, focused on auto-loan terms, which oftentimes are at least 72 months nowadays. Zabritski also compared a data point from Experian's latest report to the same reading recorded 10 years ago to find the one that might be most astonishing.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

In Episode 192 of the Diary of a UK Stock Investor Podcast this week:- (00:00) Show Start This week Chris walks through his analysis of Experian plc and later discusses investing into the SpaceX IPO. GET INVOLVED! Drop us a COMMENT on Spotify or Email Chris at the show on chris@chrischillingworth.com The Diary of a UK Stock Investor Podcast is a diary-style, educational podcast documenting Chris's long-term journey as a UK retail investor, with the personal goal of one day becoming a Stocks & Shares ISA millionaire. Each episode reflects on the realities of long-term investing, including lessons learned, mindset, decision-making, and progress along the journey. The show also features listener correspondence, discussion of general market news from UK and US stocks, and educational explanations of investing concepts drawn from real-world experience. From time to time, episodes may explore publicly available company financial statements to help listeners better understand how to read financial data and what different figures mean in practice. These discussions are for educational purposes only and are not intended to influence investment decisions. The podcast does not provide investment advice, personal recommendations, or guidance on what to buy or sell. Chris does not disclose specific investment transactions or encourage listeners to follow any particular strategy. Any views shared are personal reflections only and may change over time. All content is provided for general information and educational purposes and does not take into account individual financial circumstances. Investing involves risk, and listeners should always do their own research or seek advice from a Financial Conduct Authority authorised financial adviser before making investment decisions. New episodes are released EVERY Thursday! Contact the show at chris@chrischillingworth.com

Welcome to a packed Monday edition of WHAT THE TRUCK?!?, hosted by Malcolm Harris and Michael Vincent! In this episode, we dive deep into a multi-state cargo theft operation that recently led to eight indictments in New York after diverting $4.5 million worth of freight—ranging from beef and copper to massive hauls of cigarettes. Michael also shares a frustrating personal story about the disappearing security of airport valet tickets after his $3,000 Martin guitar vanished on a direct flight. On a brighter note, we highlight the Broker Carrier Summit's exciting launch of the "Veterans in Logistics" initiative in Kansas City, naming John Tozer to lead the charge in connecting military veterans with great careers in transportation. Our first featured guest is small business credit fintech guru Gerri Detweiler, who explains why owner-operators must treat their business credit with the same urgency as their next load. Gerri breaks down how business credit reports are compiled behind the scenes by bureaus like Dun & Bradstreet, Experian, and Equifax to influence lenders, fuel card issuers, and insurance companies. Closing out the show is Aqil Naeem, founder and CEO of the e three group, the first AI transformation partner for middle-market and enterprise freight companies. Aqil explains that as traditional cybersecurity improves, sophisticated bad actors are pivoting to physical cargo theft because defenses in logistics haven't kept pace. ⁠Watch on YouTube⁠ ⁠Visit our sponsor - KOONER FLEET MANAGEMENT SOLUTIONS⁠ ⁠Subscribe to the WTT newsletter⁠ ⁠Apple Podcasts⁠ ⁠Spotify⁠ ⁠More FreightWaves Podcasts⁠ #WHATTHETRUCK #FreightNews #supplychain Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a packed Monday edition of WHAT THE TRUCK?!?, hosted by Malcolm Harris and Michael Vincent! In this episode, we dive deep into a multi-state cargo theft operation that recently led to eight indictments in New York after diverting $4.5 million worth of freight—ranging from beef and copper to massive hauls of cigarettes. Michael also shares a frustrating personal story about the disappearing security of airport valet tickets after his $3,000 Martin guitar vanished on a direct flight. On a brighter note, we highlight the Broker Carrier Summit's exciting launch of the "Veterans in Logistics" initiative in Kansas City, naming John Tozer to lead the charge in connecting military veterans with great careers in transportation. Our first featured guest is small business credit fintech guru Gerri Detweiler, who explains why owner-operators must treat their business credit with the same urgency as their next load. Gerri breaks down how business credit reports are compiled behind the scenes by bureaus like Dun & Bradstreet, Experian, and Equifax to influence lenders, fuel card issuers, and insurance companies. Closing out the show is Aqil Naeem, founder and CEO of the e three group, the first AI transformation partner for middle-market and enterprise freight companies. Aqil explains that as traditional cybersecurity improves, sophisticated bad actors are pivoting to physical cargo theft because defenses in logistics haven't kept pace. Watch on YouTube Visit our sponsor - KOONER FLEET MANAGEMENT SOLUTIONS Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts #WHATTHETRUCK #FreightNews #supplychain Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's episode includes reaction to FHFA Director Bill Pulte being named the acting director of national intelligence. Plus, Robbie sits down for an interview with Experian's Sophia Cheung on simplifying and modernizing the verification process by consolidating multiple systems into a single platform, further streamlining workflows and increasing value. The episode closes with a look at MBS volume and performance across the month of May.Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3580: Jeff Rose highlights practical financial lessons that can shape a more secure future, from understanding credit scores and investing early to recognizing the value of entrepreneurship. Through relatable examples and simple explanations, he shows how small financial decisions made young can compound into long-term wealth and opportunity. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: "Your credit score is an important part of your overall financial health, and it can make a huge difference in how you manage your finances as an adult." "I believe the earlier we teach students about financial basics, the better off they'll be." "When people don't know better, they don't do better." Episode references: Fidelity Investments: https://www.fidelity.com/ Experian: https://www.experian.com/ TransUnion: https://www.transunion.com/ Vanguard: https://investor.vanguard.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3580: Jeff Rose highlights practical financial lessons that can shape a more secure future, from understanding credit scores and investing early to recognizing the value of entrepreneurship. Through relatable examples and simple explanations, he shows how small financial decisions made young can compound into long-term wealth and opportunity. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: "Your credit score is an important part of your overall financial health, and it can make a huge difference in how you manage your finances as an adult." "I believe the earlier we teach students about financial basics, the better off they'll be." "When people don't know better, they don't do better." Episode references: Fidelity Investments: https://www.fidelity.com/ Experian: https://www.experian.com/ TransUnion: https://www.transunion.com/ Vanguard: https://investor.vanguard.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3580: Jeff Rose highlights practical financial lessons that can shape a more secure future, from understanding credit scores and investing early to recognizing the value of entrepreneurship. Through relatable examples and simple explanations, he shows how small financial decisions made young can compound into long-term wealth and opportunity. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: "Your credit score is an important part of your overall financial health, and it can make a huge difference in how you manage your finances as an adult." "I believe the earlier we teach students about financial basics, the better off they'll be." "When people don't know better, they don't do better." Episode references: Fidelity Investments: https://www.fidelity.com/ Experian: https://www.experian.com/ TransUnion: https://www.transunion.com/ Vanguard: https://investor.vanguard.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Used-car financing gained ground in the first quarter as affordability pressures continued to push consumers away from higher-priced new vehicles. Used vehicles accounted for 58.6% of all auto financing in Q1, up from 58.2% a year earlier and marking the first Q1 increase since 2023, according to Experian.  The shift underscores a broader affordability challenge facing the auto industry as average used-vehicle loan amounts rose 3% YoY to $27,070, while average monthly payments increased 1.5% YoY to $531. New vehicles remained considerably more expensive, with average loan amounts hitting $43,925 and monthly payments climbing 2.9% YoY to $770. As consumers look for lower-cost options, lenders also are expanding credit access, with nonprime borrowers accounting for 31.6% of all auto loans in Q1.  Growth remained a key theme for lenders, including AutoNation Finance, Global Lending Services, Stellantis Financial Services and Lendbuzz, which were among the fastest-growing auto lenders by outstandings in 2025, according to the latest Big Wheels Rankings. Auto ABS, AI and compliance take center stage Meanwhile, funding markets were active, with U.S. auto asset-backed securities issuance at $79.3 billion year to date through May 29, up 3.9% YoY, according to JPMorgan Securities.  In addition, the FTC disclosed the names of 97 dealership groups that received warning letters concerning potentially deceptive vehicle pricing practices, reinforcing the agency's focus on transparency and compliance.  In this episode of “Weekly Wrap,” Auto Finance News Editor Amanda Harris, Deputy Editor Johnnie Martinez II and Senior Associate Editor Aidan Bush discuss top trends across macroeconomic dynamics, affordability, funding and powersports lending for the week ended May 29. 

Simplifying the complex world of healthcare reimbursement. In this episode, Jason Considine, President of Experian Health, discusses shifting the industry's focus from denial management to denial prevention by leveraging AI at the point of registration. He discusses the implementation of the Patient Access Curator, a tool that automates insurance discovery and validation to reduce human error and administrative costs. He also explains how Experian leverages rich data assets, such as employment data, to help providers navigate new regulatory requirements, such as the OBBA. This episode explores the mission of leveraging advanced technology to eliminate administrative waste, enabling resources to be redeployed into direct patient care. Tune in to start from the start with denial prevention! Resources Connect with and follow Jason Considine on LinkedIn. Follow Experian Health on LinkedIn and explore their website.

In this episode of Embracing Marketing Mistakes, Sam Benton, co-founder of Mad Masters, joins Chris Norton and Will Ockenden to revisit one of his most unforgettable marketing moments. Early in his career, Sam walked into a major pitch for Expedia only to realise that Experian's logo was proudly displayed on every single slide. What could have been a career-ending blunder turned into a long-standing client relationship and a story that still gets a laugh today.The team reflects on the lesson behind the mishap. Sam shares how working alongside Rory Sutherland shifted his perspective from “knowing it all” to embracing curiosity and collaboration. It's an honest conversation about humility, growth, and the surprising ways that small mistakes can lead to big professional wins.Whether you have ever sent the wrong deck or just enjoy hearing marketers own their most human moments, this episode is equal parts insightful and entertaining.Send us Fan MailIs your strategy still right in 2026? Book a free 15-min no obligation discovery call with our host:

Shoot us a Text.Episode #1348: Today we cover Tesla raising Model Y prices for the first time in years, lenders diving deeper into subprime auto financing, and why automotive advertising is quietly losing market share.Show Notes with links:Tesla just bumped prices on several higher-trim Model Y variants for the first time in two years, signaling confidence that EV demand may be heating back up. Meanwhile, Wall Street is still trying to decide if the stock is charging ahead or stuck in traffic.Tesla raised prices by $1,000 on the Model Y Premium RWD and AWD trims, while the Performance trim climbed by $500.Entry-level Model Y versions remain unchanged, suggesting Tesla is protecting affordability while testing premium demand elasticity.Analysts point to rising gas prices and battery material costs as possible drivers behind the move.Despite the pricing confidence, TSLA stock slid over 4% Friday and dipped again Monday as investors weigh slowing momentum and new technical buy points.Auto lenders are diving deeper into subprime financing as affordability pressures push buyers back into the market and lenders get more aggressive chasing deals. The result? More approvals, higher payments, and longer loan terms.Subprime and deep subprime borrowers made up 15.4% of all auto loans and leases in Q4, the highest share since 2021.Average interest rates are eye-popping: 13.2% for subprime new-car loans and nearly 22% for deep subprime used-car loans.Dealers say lenders are “digging a little deeper” rather than dramatically lowering standards, helped by better data and digital document verification.Experian's Melinda Zabritski summed it up saying, “As affordability remains top of mind, both lenders and consumers are adapting.”For decades, automotive advertising practically was the ad industry. But now, shrinking OEM budgets, EV uncertainty, and Tesla-style marketing strategies are changing the game and auto's share of ad spend is slipping below a historic benchmark.Automotive advertising is projected to fall below 10% of total ad category spend for the first time ever tracked by Guideline.The category shrank roughly 7% in 2025, with spending pressure continuing into 2026.Analysts point to weaker EV momentum and automakers scaling back electric initiatives as major contributors.Newer brands are ditching traditional “big splash” campaigns in favor of leaner marketing approaches, following Tesla's no-advertising playbook.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast  as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Diane King Hall breaks down the biggest tech movers on the last trading day of the week. Figma (FIG) climbs after a beat and raise quarter while Applied Materials (AMAT) slips on similar earnings. Diane also touches on ServiceNow's (NOW) move higher on its AI partnership with Experian.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Hoy comentamos la apuesta de Qualcomm por un futuro posmóvil dominado por agentes, la locura inversora alrededor de Cerebras, la compra de Mirantis por IREN para convertir GPUs en infraestructura usable, el aviso de Experian sobre el papel de la IA en el 40% de las brechas de datos de 2025 y el cometa C/2025 R3 PANSTARRS, que nos regala un poco de perspectiva cósmica.Puedes seguirnos en YouTube en https://youtube.com/olivernabani y puedes unirte al Discord Mashain en https://olivernabani.com/discord

How will artificial intelligence transform the most human parts of wealth management? In this episode, we explore where technology meets empathy, and what the future looks like for financial professionals and their clients as AI adoption accelerates across the industry. Our guest, Carrie Nelson, is the founder of Atlas Point and a veteran leader with experience at Ernst & Young, Experian, and Edward Jones. Carrie shares her journey from big-firm consulting to building a platform that empowers advisors to navigate a rapidly changing landscape, with a focus on the coming great wealth transfer and the next generation of clients. Together, we discuss why human connection is still essential—even as AI creates new efficiencies—and how Atlas Point blends behavioral science and smart tools to bridge the gap. For anyone interested in the future of finance, entrepreneurship, or the emotional side of money, this is a must-listen episode filled with real-world stories and actionable insights.   To get the latest from Carrie Nelson, you can follow her below! https://www.linkedin.com/in/carrie-nelson-5377864/ https://www.theatlaspoint.com/   Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing! Website: www.marciadawood.com Do Good While Doing Well Learn more about the documentary Show Her the Money: www.showherthemoneymovie.com And don't forget to follow us wherever you are! Apple Podcasts: https://pod.link/1586445642.apple Spotify: https://pod.link/1586445642.spotify LinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/ Instagram: https://www.instagram.com/theangelnextdoorpodcast/ Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/ TikTok: https://www.tiktok.com/@marciadawood

In today's episode, we go through some migration trends popping up across the U.S. Plus, Robbie sits down with Experian's Joy Mina and Ken Tromer for a discussion on helping mortgage lenders cut costs and speed up closings by offering an early, integrated view of employment verification that improves decision-making, enhances borrower experience, and supports broader automation in lending workflows. And we close by looking at trends in delinquency data.Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

In this episode, host Greg Palmer sits down with Debbie Hsu, EVP of Product at Experian, to discuss the company's innovative approach to empowering consumers through technology. Debbie shares insights into her role at Experian, where she leads product development for North America's consumer services.She highlights Experian's mission to bring financial power to all by leveraging data and technology responsibly, creating tools that help consumers better understand and manage their financial situations with confidence. Debbie's passion for solving meaningful problems at scale shines through as she explains how Experian is working to make a real impact on consumers' financial lives.The conversation focuses on Experian's virtual assistant, EVA, a consumer-first AI tool designed to simplify complex financial questions and provide actionable guidance. Available through the Experian app and website, EVA helps users navigate tasks like improving credit scores with Experian Boost, freezing credit files during data breaches, and understanding spending and cash flow insights.Debbie emphasizes the importance of finance-specific AI tools like EVA, which are built on trusted data and domain expertise, as opposed to generic AI solutions that may provide misleading or incomplete advice. She also shares how real-world consumer interactions with EVA have revealed a strong need for clarity on financial fundamentals, such as credit scores, debt management, and identity protection.Debbie concludes by discussing the critical role of trust in AI-driven financial tools. She outlines Experian's commitment to transparency, high-quality data, and strong governance to ensure EVA acts in consumers' best interests. By empowering users to stay in control of their financial decisions and providing personalized, explainable recommendations, Experian aims to build lasting trust with its customers. This episode offers valuable insights into how consumer-centric AI can address real financial challenges and create a more inclusive financial ecosystem.More info:Experian: https://www.experian.com/; https://www.linkedin.com/company/experian/EVA: https://www.experian.com/blogs/ask-experian/what-is-eva/Debbie Hsu: https://www.linkedin.com/in/debbie-hsu/Greg Palmer: https://www.linkedin.com/in/gregbpalmer/Finovate: https://www.finovate.com; https://www.linkedin.com/company/finovate-conference-series/FinovateSpring: https://informaconnect.com/finovatespring/#Finovate #FinovateSpring #Banking #banks #Experian #EVA #consumer #credit #lending #digitaladoption #cx #podcast #fintechpodcast #financialservices #innovation #digitraltransformation #fintech #finserv #modernization

Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions Bobbleheads: https://store.barstoolsports.com/products/mostly-sports-bobblehead-ii?variant=42353493114977 Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: Reese's: Get Reese's at https://www.hersheyland.com/reeses Experian: Download the app and get started for free. Results will vary. Not all payments are boost-eligible. Some users may not receive improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. See Experian.com for details. Chevy: Check out the current offers and build your own Chevy Silverado at https://Chevy.com DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER or 1-800-MY-RESET, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD), 1-800-981-0023 (PR). 21+ and present in most states. (18+ DC/KY/NH/PR/WY). Void in ONT. Eligibility restrictions apply. On behalf of Boot Hill Casino (KS). Pass-thru of per wager tax may apply in IL. Opt-in req. 1 Profit Boost Token issued per customer per day, valid only for NBA Playoff bets. Bet restrictions apply and vary when offered (e.g. type, legs req. min. odds req.). Max. bet and Boost amount vary. Tokens are single-use and expire at the end of the last NBA game each day when offered. Must select token BEFORE placing bet. Boost only applies to winnings. Terms: sportsbook.draftkings.com/promos. Sponsored by DK. Magnolia Pictures: See NORMAL only in theaters starting April 17. Get your tickets now at https://www.normalthemovie.com/ NOBULL: Visit https://nobullproject.com and use code SPORTS for 35% off your entire FIRST order Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

In this episode of The Publisher First Podcast, host Kurt Donnell sits down with Jake Abraham, Head of Strategic Partnerships at Experian Marketing Services. They dive into the future of publisher monetization, the role of data marketplaces in the ecosystem, and how Jake's unique background as an award-winning film producer informs his strategic approach to ad tech and media innovation.Jake's LinkedIn: linkedin.com/in/jake-abraham-a908404/Podcast Website: https://open.spotify.com/show/2i2ON2nNYrZXjjNfp42g7T?si=t5OrfT8oRTabaQmEWQ764wLearn more about FreestarEmail: podcast@freestar.comWebsite: http://freestar.com/A #PublisherFirst Production

Major agencies are pulling back ad spend from The Trade Desk's OpenPath platform, citing concerns of hidden fees and lack of transparency. Meanwhile, TTD is shifting its payment model for identity providers, like LiveRamp and Experian. All said, The Trade Desk is facing a new set of rising tensions with agencies over transparency — and more importantly, programmatic control.

Simplifying the complex world of healthcare reimbursement. In this episode, Jason Considine, President of Experian Health, discusses shifting the industry's focus from denial management to denial prevention by leveraging AI at the point of registration. He discusses the implementation of the Patient Access Curator, a tool that automates insurance discovery and validation to reduce human error and administrative costs. He also explains how Experian leverages rich data assets, such as employment data, to help providers navigate new regulatory requirements, such as the OBBA. This episode explores the mission of leveraging advanced technology to eliminate administrative waste, enabling resources to be redeployed into direct patient care. Tune in to start from the start with denial prevention.  About Jason Considine: Jason Considine is the President of Experian Health, having taken the helm in April 2025. He previously served as the Chief Commercial Officer for more than 3 years, leading sales, marketing, and business development. With nearly 20 years of experience in the healthcare industry, Jason is dedicated to using data analytics and software solutions to simplify administrative processes for hospitals and medical practices. Things You'll Learn:  How Experian Health aims to simplify healthcare by improving the efficiency of how providers are reimbursed by patients and payers. The industry shift from costly back-end denial management to proactive denial prevention by leveraging AI at the point of registration. How the Patient Access Curator tool automates insurance discovery and updates registration systems in seconds to reduce denials by over 30%. The importance of transparency in AI to build trust and unlock the "black box" of decision-making in highly regulated healthcare environments. How providers can prepare for the OBBA regulation by using employment data to automate Medicaid qualification decisions. Why the AI "arms race" between payers and providers makes adopting intelligent automation essential for an organization to thrive and survive. Resources:  Connect with and follow Jason Considine on LinkedIn. Follow Experian Health on LinkedIn and explore their website.

When money feels tight, it's not just your finances that suffer; your peace of mind does too. For most people, confusion around debt, savings, and investing leads to avoidance, poor financial choices, and constant overwhelm. In this final episode of The Money Reset series, presented by Experian, Hala Taha shares how to create immediate financial relief while building long-term stability. You'll hear insights from trusted voices like Suze Orman, Morgan Housel, and Jade Warshaw on how to move from financial stress to lasting financial peace. In this episode, Hala will discuss: (00:00) Introduction (01:13) Tiffany Aliche's Noodle Budget Baseline (02:42) Jade Warshaw's Financially Responsible Checklist (05:22) How to Sequence Debt Payoff Strategically (07:44) Saving vs. Debt Clearance: Which Comes First? (10:09) Why Fear Is Your Biggest Wealth Barrier (13:37) Using Money as a Life Tool, Not a Scorecard (15:46) What Financial Peace Actually Feels Like Experian is a global data and technology company that collects and analyzes financial data to help people and businesses understand and manage their finances. Through tools like subscription cancellation and bill negotiation, Experian scans linked accounts for recurring charges, helps cancel unused subscriptions, and works to find better rates on eligible bills. They help put money back in your pocket. Get started with the Experian App today. See experian.com for details. Sponsored By: Experian: Put money back in your pocket by canceling unwanted subscriptions and lowering eligible recurring bills. Get started with the Experian App. See experian.com for details. Resources Mentioned: YAP E259 with Tiffany Aliche: youngandprofiting.co/TAE259  YAP E299 with Jean Chatzky: youngandprofiting.co/E299  YAP E245 with Tori Dunlap: youngandprofiting.co/E245 YAP E200 with Suze Orman: youngandprofiting.co/E200  YAP E266 with Morgan Housel: youngandprofiting.co/4147SpO  YAP E380 with Jade Warshaw: youngandprofiting.co/JWE380  The Money Reset Series E1: youngandprofiting.co/TMRSEP1  The Money Reset Series E2: youngandprofiting.co/TMRS-E2  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Disclaimer: This episode is a paid partnership with Experian. Sponsored content helps support  our podcast and continue bringing valuable insights to our audience. Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Personal Finance, Stock Market, Scalability, Investment, Financial Freedom, Risk Management, Financial Planning, Business Coaching, Finance Podcast

It's always been important to monitor your credit reports, and now - more so. The number of inaccuracy complaints is up dramatically, and such mistakes can impede your ability to buy a home, get a car, or even land a job. Clark shares the latest research on how the bureaus are responding (or not) and offers direction for dealing with credit report errors. Also - Pressures in the chip industry have led to shortages and higher costs for smart phones. Should you upgrade now or wait?     Credit Bureau Errors: Segment 1 Ask Clark: Segment 2 The Price Of New Cell Phones: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Experian and TransUnion Are Leaving More Mistakes on Credit Reports — ProPublica Why You Need To Check Your Credit Report Today - Clark Howard What Is a Good Credit Score? - Clark Howard Clark Deals: Cell Phones & Smartphones Archives 5 Tax Scams You Need To Watch Out for in 2026 - Clark Howard What's the Best Savings Account for a Teenager? - Clark Howard What Brokerage Do You Recommend for First-Time Investors or Kids? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode, we go through how in these modern times, a tweet can impact bond market pricing. Plus, Robbie sits down with Xactus' Shelley Leonard and Experian's Michele Bodda for a discussion on shifts in credit scoring, opportunities to modernize data and workflows, misconceptions that slow progress, and how lenders should approach credit strategy in 2026. And we close by looking at why upcoming surveys could dictate mortgage rates.Thank you to Quorum Federal Credit Union, which offers a broker outlet. Quorum empowers brokers to close more deals with flexible, high-LTV mortgage and HELOC solutions featuring up to 4 percent comp, low FICO options, and versatile programs for nearly every borrower scenario.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Learn how to prepare for early retirement and deal with credit report errors that won't go away. Why are credit report errors getting harder to fix? How do you prepare for retirement if you may have to stop working earlier than expected? Hosts Sean Pyles and Elizabeth Ayoola discuss early retirement planning to help you understand how to build a backup plan before an income shock forces your hand. But first, news writer Anna Helhoski joins Sean Pyles to discuss ProPublica's reporting on weaker Consumer Financial Protection Bureau oversight and credit bureau complaint handling with Joel Jacobs, data reporter at ProPublica. They discuss falling relief rates at Experian and TransUnion, how errors can damage borrowing and housing options, and what records to keep when you challenge a mistake. Then, after a prompt from listener Lisa, Sean and Elizabeth discuss preparing for an early or forced retirement. They discuss how to pressure-test your nest egg with a CFP, how tools like the 72(t) rule and Social Security can help cover an income gap before age 59½, and how part-time work, lower debt, and cheaper housing can make an unexpected retirement more manageable. Thrivent article: https://www.thrivent.com/insights/social-security/social-security-break-even-point-what-it-is-how-to-calculate-yours#how-to-calculate Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

What will personal finance actually look like five years from now? Will we all have AI money assistants? Will financial advisors still exist? And could technology finally make managing money easier instead of more overwhelming? In this episode, Shari Rash sits down with Dacy Yee, President of Experian Consumer Services, to talk about how technology is transforming the financial world—and what it means for everyday people trying to make smarter decisions with their money. Dacy shares her unexpected career journey from law school to leading one of the largest consumer finance platforms in the world, why many careers (including hers) take unexpected turns, and the advice that helped her move into executive leadership. The conversation also dives into how technology, AI, and automation could remove many of the barriers that have historically kept people out of financial conversations—from fear of asking “dumb questions” to the belief that you need a lot of money before you deserve advice. You'll hear how tools like Experian's new “Big Financial Friend” initiative aim to make personal finance more approachable, how AI could act as a financial co-pilot that helps you make better decisions automatically, and why the future of finance might actually feel more human—not less. Shari and Dacy also talk about women in finance, the importance of speaking up about your career goals, and why the advice “declare what you want” can change the trajectory of your career. This episode will leave you thinking differently about where technology is taking our financial lives—and how you can use it to your advantage. You'll hear: Why many careers in finance happen by accident rather than design How AI and technology will change personal finance in the next five years Why access and personalization will define the future of financial advice How tools like Experian's virtual assistant help remove shame and barriers around money The career advice that helped Dacy move into executive leadership What a “life credit report” might actually measure If you're ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don't necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Financial freedom can feel out of reach when you rely on willpower alone. Without a solid financial structure, daily life can disrupt budgeting, saving, and spending plans, trapping you in cycles of overspending and debt. In the second episode of The Money Reset series presented by Experian, Hala Taha shares simple tools and habits that you can implement today to take control of your finances. With insights from experts like James Clear, Jade Warshaw, and Morgan Housel, you'll learn how to build sustainable financial systems that help you create long-term wealth, even when life gets chaotic. In this episode, Hala will discuss: (00:00) Introduction (01:45) Why Financial Habits Beat Willpower Every Time (05:40) Systems vs Goals in Personal Finance (07:25) Loud Budgeting and Money Boundaries (11:18) Tiffany Aliche's Baby Budget Account System (14:46) Designing Friction to Kill Bad Spending Habits (17:19) Ramit Sethi's Conscious Spending Plan  (19:09) Frugality as a Wealth-Building Strategy Experian is a global data and technology company that collects and analyzes financial data to help people and businesses understand and manage their finances. Through tools like subscription cancellation and bill negotiation, Experian scans linked accounts for recurring charges, helps cancel unused subscriptions, and works to find better rates on eligible bills. They help put money back in your pocket. Get started with the Experian App today. See experian.com for details. Sponsored By: Experian: Put money back in your pocket by canceling unwanted subscriptions and lowering eligible recurring bills. Get started with the Experian App. See experian.com for details. Resources Mentioned: YAP E265 with James Clear: youngandprofiting.co/4j4khkC  YAP E266 with Morgan Housel: youngandprofiting.co/4147SpO  YAP E380 with Jade Warshaw: youngandprofiting.co/JWE380  YAP E259 with Tiffany Aliche: youngandprofiting.co/TAE259  YAP E220 with Ramit Sethi: youngandprofiting.co/E220   YAP E367 with Scott Trench: youngandprofiting.co/STE367  The Money Reset Series E1: youngandprofiting.co/TMRSEP1  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Disclaimer: This episode is a paid partnership with Experian. Sponsored content helps support  our podcast and continue bringing valuable insights to our audience. Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Stock Market, Scalability, Investment, Risk Management, Financial Planning, Business Coaching, Finance Podcast

What do Bigfoot and credit reports have in common? They're both surrounded by myths. While we may never settle the question of an eight-foot-tall creature wandering the woods, we can clear up the confusion around credit reports. On this episode of Faith & Finance, Neile Simon, a Certified Credit Counselor with Christian Credit Counselors, stops by to clear up some of the most common misconceptions about credit reports and credit scores. Understanding how credit really works can help you avoid costly mistakes and make wiser financial decisions. Myth #1: Paying Off Debt Instantly Fixes Your Credit Paying down debt is always a good step—but it doesn't instantly produce a perfect credit score. A credit score reflects your history of borrowing and repayment. Lenders use it as a snapshot of how responsibly you've managed credit over time. That means improvement takes patience. The most important habit is simple: consistently pay your bills on time. Over time, that steady pattern will strengthen your credit profile. And beware of anyone claiming they can “fix your credit overnight.” Building good credit always takes time. Myth #2: Credit Counseling Ruins Your Credit Score Many people fear that seeking help will damage their credit—but that's not true. Participating in a credit counseling program is considered a neutral mark on your credit report. What can affect your score is closing accounts, not the counseling itself. In fact, nonprofit credit counseling agencies often help people regain control of their finances through structured debt management plans. If you seek help, make sure the organization is accredited and nonprofit. That's why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management.  Myth #3: Canceling Credit Cards Boosts Your Score Closing credit cards may seem responsible, but it can actually lower your credit score. Why? Because it reduces your available credit, which increases your credit utilization ratio—a key factor in credit scoring. If you have credit cards with zero balances and no annual fees, keeping them open can actually help your score. If you must close accounts, do it gradually—perhaps one every six months—to minimize the impact. Myth #4: Too Many Inquiries Hurt Your Score This myth was once more accurate than it is today. Credit bureaus now recognize that consumers shop for loans. If you're applying for a mortgage or car loan, multiple inquiries within a short window—typically about 45 days—are counted as a single inquiry. That means you can compare offers without damaging your credit score. And when it comes to checking your own credit report, that's considered a soft inquiry, which does not affect your score at all. In fact, it's wise to check your credit regularly to monitor for fraud or mistakes. Myth #5: You Don't Need to Check Your Credit If You Pay Bills on Time Even responsible borrowers should check their credit reports. Studies suggest that a large percentage of credit reports contain errors. Reviewing your report once or twice a year allows you to catch mistakes or fraudulent activity early. You can obtain free reports from all three major bureaus at AnnualCreditReport.com. Correcting errors can take time—sometimes up to 90 days—so staying proactive is important. Myth #6: All Credit Reports Are the Same There are three major credit bureaus: Equifax, Experian, and TransUnion. Each may contain slightly different information because creditors don't always report to all three bureaus, and updates may occur at different times. Different lenders may also use different scoring models depending on the type of loan—auto, mortgage, or credit card. For the most complete picture, it's wise to review all three reports. Myth #7: Divorce Automatically Removes Joint Debt Divorce agreements may divide debts between spouses—but they don't change the original credit contract. If your name remains on a joint account, you're still legally responsible for the debt. If the other person misses payments, your credit score can suffer too. That's why it's important to close joint accounts or refinance debts into one person's name whenever possible. Myth #8: All Negative Marks Disappear After Seven Years Some negative items disappear after seven years—but not all. For example: Chapter 13 bankruptcy: up to 7 years Chapter 7 bankruptcy: up to 10 years Positive closed accounts: can remain for 10 years The good news is that positive information usually stays longer than negative information, helping your score recover over time. Myth #9: You Can Pay Someone to “Fix” Your Credit Many companies promise fast credit repair—but most simply send dispute letters to creditors. If the information on your credit report is accurate, it cannot be removed. That means many consumers pay fees without seeing real results. The truth is, you can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies. The Bottom Line Understanding how credit works empowers you to use it wisely. Credit reports aren't mysterious or magical—they simply reflect how consistently and responsibly you've handled debt over time. With accurate information, good habits, and a little patience, you can build a strong credit profile that supports your financial goals. And when challenges arise, seeking wise counsel and staying informed can help you move toward greater financial freedom. If you're struggling with credit card debt, Christian Credit Counselors can help. They've helped thousands of people get out of debt 80% faster while honoring their financial obligations. Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more. On Today's Program, Rob Answers Listener Questions: My small retail business in a local mall is struggling as other stores close and sales decline. We're starting to lose money and take on debt. Should I consider closing the business and pursuing a new venture or a job to stabilize our family's finances? We've always tithed on our gross income. After selling our previous home, we made a non-taxable profit but used it to buy another home that still needs repairs and has a small mortgage. Should we tithe on that profit, or focus on maintaining the home and paying down the mortgage? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors AnnualCreditReport.com  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

92%ers, welcome to another episode of New Heights brought to you by Experian! First, Jason recaps his time as a plus one in Italy at the Winter Olympics, we get the guys thoughts on the USA being the hockey capital of the world, Travis responds to Laila Edwards claim as the “best athlete from Cleveland Heights,” and we talk about what went wrong at Travis' trip to Pebble Beach. Finally, we are joined by country music legend, Chris Stapleton! We get Chris' reaction to making Jason cry at the Super Bowl, learn that Chris was a big football guy in High School, we sip some whiskey that might have been stronger than we thought, Chris shares his thoughts on the songwriting process, reveals how to write the perfect country and western song, and so much more!Check out Christ Stapleton on tour: https://chrisstapleton.com/tour/Try Some Traveller Whiskey: https://www.buffalotracedistillery.com/our-brands/traveller/traveller-whiskey-blend-40/Check out all of our new merch at https://amzlink.to/az0JVda6JMjOrWatch and listen to new episodes of New Heights every Wednesday during the NFL season and follow us on Social Media for all the best moments from the show: https://lnk.to/newheightshowYou can also listen to new episodes ad-free on Wondery+. Join Wondery+ in the Wondery App, Apple Podcasts or Spotify. ...Download the full podcast here:Wondery: https://wondery.app.link/s9hHTgtXpMbApple: https://podcasts.apple.com/us/podcast/new-heights/id1643745036Spotify:https://open.spotify.com/show/1y3SUbFMUSESC1N43tBleK?si=LsuQ4a5MRN6wGMcfVcuynwSend something to the New Heights Mailbox. Don't be weird though. C/O New Heights Productions135 E OLIVE AVE, BURBANK, CA 91502Support the show: EXPEDIA: The one place you go to go places. https://www.expedia.com/AMERICAN EXPRESS: Card members can enjoy access to over 1,550 airport lounges worldwide, the largest global lounge network, compared to other credit card companies, as of July 2025. Learn more at www.americanexpress.com/withplatinum. Terms apply.CLAUDE: The AI for problem-solvers. Visit www.claude.ai/newheights to learn more.PEPSI: Pepsi Zero Sugar: Let your taste decide! Visit https://www.pepsi.com/where-to-buy to find Pepsi Zero Sugar near you.HILL'S PET: Because you're only human, there's Hill's. Find the right food at www.HillsPet.com/ScienceDoesMoreALLSTATE: Check Allstate first for a quote that could save you hundreds: https://allstate.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In This Episode Guest:Chris Van DusenMarketing & Sales | Private Equity | Corporate StrategyChris Van Dusen is a marketing and growth professional with extensive early-stage and capitalization experience. He is the founder of Parcon Media (now Parcon LLC), former Chief Growth Officer of Balanced Health Botanicals, and a key growth partner behind Surf City Still Works.About Chris Van DusenChris launched Parcon Media and scaled it to $1.5M in top-line revenue in under two years before merging into what is now Parcon LLC. The agency worked with brands including Travis Mathew, Experian, University of California Irvine, University of California Office of the President, and Maglite.As Chief Growth Officer of Balanced Health Botanicals (BHB) in Denver, CO, Chris allocated and deployed a ~$20 million marketing budget to democratize CBD and scale BHB into the largest supplier of hemp-derived CBD globally. His strategy fueled massive DTC and brick-and-mortar growth through 2019 and navigated the shifting COVID-19 landscape in 2020—culminating in a $75M sale to Village Farms (NASDAQ: VFF) in August 2021.Simultaneously, Chris helped scale Surf City Still Works in Orange County, CA. He expanded marketing, retained Southern Glazer's Wine & Spirits (the largest spirits distributor in the U.S.), raised $3.7M in capital, and moved operations into a 25,000 sq ft manufacturing facility—the first of its kind in Orange County. He also built a world-class advisory board including Bob McKnight (Founder of Quiksilver) and Travis Brasher (Founder of Travis Mathew), leading to a merger with Kimo Sabe, a Los Angeles-based mezcal company.Chris holds a Bachelor's degree in Economics from the College of William and Mary. He has served on boards including the Orange County Museum of Art (OCMA) and the Irvine Public Schools Foundation (IPSF). He is a member of Entrepreneur's Organization (EO), Young Executive Council (YEC), a National Board member of Alder, and has previously been a member of PTTOW!. Chris frequently speaks on marketing, growth, product-market fit, and brand building.What you'll learn in this episode:● Why truly understanding your customer is the foundation of scalable growth● How conversion rate optimization can 5X your ROI without increasing ad spend● The difference between lifestyle businesses and venture-scale companies● What venture capital investors actually look for before writing a check● Why focus beats chasing every opportunity● How discipline, grit, and “doing hard things” build elite entrepreneurs● The balance between confidence and coachability in leadershipConnect with Chris Van DusenInstagram: https://www.instagram.com/chrismvandusen/?hl=enTikTok: https://www.tiktok.com/@chrisvandusenYouTube: https://www.youtube.com/@officialcvdFacebook: https://www.facebook.com/christophervandusenLinkedIn: https://www.linkedin.com/in/chrismvandusen/ To find out more about Dan Rochon and the CPI Community, you can check these links:Website: No Broke MonthsPodcast: No Broke Months for Salespeople PodcastInstagram: @donrochonxFacebook: Dan RochonLinkedIn: Dan RochonTeach to Sell Preorder: Teach to Sell: Why Top Performers Never Sell – And What They Do Instead

Most people struggle with personal finance not because they're bad with money, but because they don't know where their money actually goes. When finances lack visibility, control becomes impossible. In the first episode of The Money Reset series, presented by Experian, Hala Taha breaks down the link between financial awareness and wealth control. Featuring insights from trusted finance experts like Dave Ramsey, Suze Orman, and Jade Warshaw, this episode exposes common money blind spots and shows how to gain clarity so you can take back control of your financial life. In this episode, Hala will discuss: (00:00) Introduction (01:45)  How Fear Shapes Our Relationship with Money (04:41) Rational vs. Irrational Money Fears (06:53) Taking Control of Your Finances (09:07) Making Intentional Financial Choices (11:51) How to Identify Where Your Money Is Going (17:28) Spending With Awareness and Intention (20:21) The Meaning Behind Financial Goals (23:10) Taking Responsibility for Your Finances Experian is a global data and technology company that collects and analyzes financial data to help people and businesses understand and manage their finances. Through tools like subscription cancellation and bill negotiation, Experian scans linked accounts for recurring charges, helps cancel unused subscriptions, and works to find better rates on eligible bills. They help put money back in your pocket. Get started with the Experian App today. See experian.com for details. Sponsored By: Experian: Put money back in your pocket by canceling unwanted subscriptions and lowering eligible recurring bills. Get started with the Experian App. See experian.com for details. Resources Mentioned: YAP E261 with Farnoosh Torabi: youngandprofiting.co/E261 YAP E380 with Jade Warshaw: youngandprofiting.co/E380  YAP E200 with Suze Orman: https://youngandprofiting.co/E200  YAP E344 with Dave Ramsey: https://youngandprofiting.co/E344  YAP E299 with Jean Chatzky: https://youngandprofiting.co/E299 YAP E245 with Tori Dunlap: https://youngandprofiting.co/E245  YAP E220 with Ramit Sethi: https://youngandprofiting.co/E220  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Disclaimer: This episode is a paid partnership with Experian. Sponsored content helps support our podcast and continue bringing valuable insights to our audience. Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Wealth, Stock Market, Scalability, Investment, Financial Freedom, Risk Management, Financial Planning, Business Coaching, Finance Podcast, Saving

Experian is one of those giant multinationals convoluted enough to have multiple CEOs all over the world, so first I asked Alex Lintner, Experian's CEO of technology and software solutions, to dig into the classic Decoder questions and explain how all of that even works. He oversees big operations like security and privacy, and now, of course, AI. If you want to participate in the modern economy — rent an apartment, buy a car, get a job, etc  — you're part of Experian's ecosystem, whether you like it or not. At its heart, Experian's core service is data about people and the choices they make. And this extremely valuable data weirdly makes Experian a part of your life  — a life that becomes much smoother if the data the company collects about you tells a good story.  Links:  Roughly half of Americans are knowledgeable about personal finance | Pew Research How Americans view data privacy | Pew Research Consumer voices on credit reports and scores | CFPB Mercedes-Benz CEO Ola Källenius on Decoder | The Verge The Palantir app ICE uses to find neighborhoods to raid | 404 Media T-Mobile customers exposed in major Experian breach (2015) | The Verge All the news about the Equifax breach | The Verge Subscribe to The Verge to access the ad-free version of Decoder! Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Decoder is produced by Kate Cox and Nick Statt and edited by Ursa Wright. Our editorial director is Kevin McShane.  The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

College Football podcast on Barstool sports hosted by Brandon Walker and Kayce Smith presented by Twisted Tea The Unnecessary Roughness crew instantly recaps all things College Football Playoff Round 1. 00:00 Intro 01:05 Miami knocks out Texas A&M 23:35 Alabama storms back against Oklahoma 33:45 The committee messed up (again) 50:15 Round 1 Winners 01:00:00 Round 1 Losers ++++++++++++++++++++++++ DraftKings - GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). Pass-thru of per wager tax may apply in IL. 1 per new customer. Must register new account to receive reward Token. Must select Token BEFORE placing min. $5 bet to receive $200 in Bonus Bets if your bet wins. Min. -500 odds req. Token and Bonus Bets are single-use and non-withdrawable. Token expires 1/11/26. Bonus Bets expire in 7 days (168 hours). Stake removed from payout. Terms: sportsbook.draftkings.com/promos. Ends 1/4/26 at 11:59 PM ET. Sponsored by DK. Twisted Tea - Grab a refreshing Twisted Tea today https://www.twistedtea.com/locations Gametime - Download the Gametime app today and use code ROUGH for $20 off your first purchase Fox ONE - Start your 7 Day Free Trial today. Offers are subject to change. Go to FOX One for complete terms and conditions. RocketMoney - Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money at https://RocketMoney.com/rough Wayfair - Head to https://Wayfair.com right now to shop all things home. Experian - Download the Experian® app and meet your Big Financial Friend today. BlueChew - Get 10% off your first month of BlueChew Gold with code ROUGHNESS https://BlueChew.com ++++++++++++++++++++++++ Follow the podcast on... Facebook: facebook.com/UnnecRoughness Instagram: instagram.com/unnecroughness/ Twitter: twitter.com/unnecroughness/ TikTok: tiktok.com/@unnecroughnessYou can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/unnecroughness

Brianna and Josh react to clips from the show from over the years and say goodbye to the show:) Thanks to everyone who has listened over the years we love you all! Use code “BFF” on Rhoback.com for 20% off your first order Sign up to save on Uber and Uber Eats. Eligibility and member terms apply. Download the Experian® app and share it with the fam—because everyone could use a Big Financial Friend. Hydrate Hard with BODYARMOR FLASH I.V. and grab yours today at your local 7-Eleven convenience storeYou can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/bffspod