Podcasts about TransUnion

This month, the federal government began taking action against student loan borrowers with accounts in default. In this episode of Making Cents of Money, learn what that means for borrowers and what options might be available. Show Notes: Cunningham, M. (2025, May 5). Student loan collections resume as record number of borrowers fall behind. CBS News. https://www.cbsnews.com/news/defaulted-loans-restart-collection-delinquency-may-5/ Dunbar, M. (2025, May 6). US student loan collections resume: Here's what you need to know. The Guardian. https://www.theguardian.com/us-news/2025/may/06/us-student-loan-collections-explainer Federal Student Aid. (n.d.). Rehabilitated loan. U.S. Department of Education. https://studentaid.gov/help-center/answers/article/loan-rehabilitation Federal Student Aid. (n.d.). What is the difference between student loan delinquency and default? U.S. Department of Education. https://studentaid.gov/help-center/answers/article/what-is-difference-between-loan-delinquency-and-default Hanson, M. (2025, March 16). Student loan debt statistics [2025]. Education Data Initiative. https://educationdata.org/student-loan-debt-statistics Kim, J. (2024, September 30). Deadline for Fresh Start defaulted student loans program gets extended. NPR. https://www.npr.org/2024/09/30/nx-s1-5133296/student-loan-default-fresh-start-explainer Prater, N. (2025, May 6). Trump administration gets aggressive on student-debt collection. New York Magazine. https://nymag.com/intelligencer/article/trump-admin-gets-aggressive-on-student-debt-collection.html Reyes, Y., & Lalljee, J. (2025, May 7). What Floridians should know as student loan penalty pause ends. Axios Tampa Bay. https://www.axios.com/local/tampa-bay/2025/05/07/floridian-student-loan-penalty-pause-ends Student Loan Borrower Assistance. (2024, September 20). Fresh Start ends Sept. 30: What borrowers need to know. https://studentloanborrowerassistance.org/fresh-start-ends-sept-30-what-borrowers-need-to-know/ TransUnion. (2025, May 5). As federal collections activity resumes, more than one in five student loan borrowers are 90+ days delinquent. https://newsroom.transunion.com/may-2025-student-loan-update/ U.S. Department of Education. (2025, April 21). U.S. Department of Education to begin federal student loan collections and other actions to help borrowers get back into repayment. https://www.ed.gov/about/news/press-release/us-department-of-education-begin-federal-student-loan-collections-other-actions-help-borrowers-get-back-repayment

In today's episode - you may have heard ads for services that allegedly lock your home's title. Are they worth it? Clark talks about how best to guard your greatest asset - your home.  Also, as the economy goes into lower gear with layoffs more frequent, Clark has important new info for today's job seekers.  Home Title Protection: Segment 1 Ask Clark: Segment 2 AI & Your Resume: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CBS News: FBI Boston warns property owners, real estate agents about "title pirates" after I-Team reports How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion 4 Signs You're a Victim of Deed Theft (and How To Avoid It) 4 Insurance Policies You Actually Need (And 4 You Don't) Should You Buy an Extended Warranty on Your Car? Best Resume Template: 9 Ways To Update Your Resume CRASH Network - Insurer Report Card How to Shop for Lower Car Insurance Fidelity - Spending & Saving Money | Take Control of Your Money Best Online Banks: Free Checking and High-Interest Savings Accounts 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Andy provides some tips and best practices to help keep your ID and financial information secure. Specifically:Check your credit report regularlyFreeze your creditGet a tax return filing PIN from the IRSUse strong and unique passwords for all websites and online accountsUse a password managerUse two-factor (if not multi-factor) authentication wherever possibleUse a VPN (Virtual Private Network) whenever on public Wi-FiUse separate e-mails for different types of accountsPut a "Self-Lock" on your SSN within the E-Verify systemLock your SIM card with your cellular providerBe cognizant of phishing and vishing scamsBe mindful of protection physical information and itemsLinks in this episode:Transunion credit freeze - hereExperian credit freeze - hereEquifax credit freeze - herewww.MyFICO.comwww.CheckFreeScore.comIRS PIN info - hereE-Verify Self-Lock info - hereFTC article about how to spot phishing - hereAARP article about how to spot vishing - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Since 2020, financial institutions have faced a perfect storm – rising funding costs, increased delinquencies, and now, a dramatic surge in sophisticated fraud attacks. We're joined on the Banking Transformed podcast by two experts from TransUnion who are at the forefront of understanding and combating these threats: Joshua Turnbull, VP of Card and Banking Strategy, and Craig LaChapelle, VP of Market Development. They'll share insights on why fraud losses are becoming more painful in today's high-cost environment, how fraudsters have adapted their strategies post-pandemic, and most importantly, how financial institutions can build resilience against these evolving threats. Whether you're concerned about the 37% increase in synthetic identities, the fact that 30% of online applications now come from bots, or the alarming spike in early default rates, this conversation will equip you with the knowledge and strategies needed to protect your institution and customers. This episode is sponsored by TransUnion. As part of a global information and insights company, the TransUnion Card and Banking business supports over 5,000 financial institutions in the US — from the largest card issuers and retail banks to community-based institutions and technology-driven card issuers. TransUnion has a world class identity spine – spanning consumer identity and behavior, email, device and calling data – that is recognized as a leader by analysts and trusted by the largest banks to enable their fraud strategies. https://www.transunion.com/extracreditpod?atvy=%7B%22264995%22%3A%22Experience+B%22%7D

In this episode of Technovation, Peter High speaks with Venkat Achanta, Executive Vice President and Chief Technology, Data & Analytics Officer at TransUnion, a $4.5B global information and insights company. Since joining after TransUnion's acquisition of Neustar, Venkat has led a sweeping modernization of the company's tech stack—culminating in the creation of OneTru, a platform powering data governance, analytics, and AI innovation at scale. Venkat shares how his 7,000-person global team built a single pane of glass to manage petabytes of sensitive data across 30+ countries and hundreds of products. He also discusses how TransUnion's OneTru and TruIQ platforms are enabling internal teams and external clients to rapidly build, deploy, and govern real-time machine learning models.

Expert Topic: What It Takes to Get Hired in 2025 and Beyond Guest: Shivani Ramsaroop , Head of Human Resources at TransUnion

Nosipho Radebe speaks to Ayesha Hatea, Director of Research and Consulting at TransUnionSee omnystudio.com/listener for privacy information.

Qasim Ijaz Qasim Ijaz is the director of cybersecurity at a leading healthcare organization, overseeing detection, incident response, vulnerability management, purple teaming, and cybersecurity engineering. With a strong background in offensive security and risk management, he has helped organizations strengthen their defenses against evolving threats. He is also a dedicated educator, mentoring professionals and sharing his expertise at conferences such as BSides and Black Hat. You don't need to go far in the news these days to find out that another organization was hacked. Data breeches are a nightmare scenario for both leaders and the people they support. In this episode, Qasim and I explore what your team and you can do to be a bit more prepared. Key Points Use multi-factor authentication, passphrases, and a password manager. Freeze your personal credit reports. Do this for free directly with Experian, Equifax, and TransUnion. Leaders in bigger roles (executives, CEOs, board members) are larger targets for hackers due to their access and also their ability to occasionally side-step organizational guidelines. It's the non-technical pieces of a cyber response that organizations are least prepared for. Conduct incident response and disaster recovery tabletop exercises to uncover vulnerabilities before an attack. Regardless of organizational policy, employees will use AI. The best prevention assumes the inevitability of human behavior and works with it to improve systems. Resources Mentioned Recommended password managers: 1Password, Apple password app, Proton Pass Critical Security Controls by the Center for Internet Security Resources for Small and Medium Businesses by the Cybersecurity & Infrastructure Security Agency 2024 Data Breach Investigations Report by Verizon Business Related Episodes Dumb Things Smart People Do With Money, with Jill Schlesinger (episode 396) Where to Start When Inheriting a Team in Crisis, with Lynn Perry Wooten (episode 603) How to Use AI to Think Better, with José Antonio Bowen (episode 689) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic. To accelerate your learning, uncover more inside Coaching for Leaders Plus.

The Robyn Engelson Podcast Ever wish you had a wellness mentor with over decades of experience whispering million dollar health tips in your ear? That's exactly what you will get each week when you tune into The Robyn Engelson Podcast. I'm your host–a sought after autoimmune and wellness expert, corporate drop-out turned serial entrepreneur, and lifestyle transformer. Each week, I'll be bringing you inspiring guests, insights, and mindset tools to empower you to be energized, compress time, and start living instead of existing. Episode Title: Feeling Stuck at Work? [It Might Be Time for a Change!] Host: Robyn Engelson Guest: Kelly Rossi Episode Summary: In this episode, we sit down with Kelly Rossi to explore her incredible career journey—starting in affiliate marketing, transitioning into corporate America, and ultimately returning to her entrepreneurial roots in small business. Kelly shares the pivotal moments that shaped her path, from navigating the economic downturn in 2008 to working in the online lending industry, and eventually joining TransUnion after her company was acquired. She also opens up about the life-changing impact of meeting keynote speaker Lindsay Shook, how that connection led her to co-create a boutique female speakers bureau, and why she's passionate about supporting women in business. Now, having recently transitioned back to the small business world, Kelly describes the experience as refreshing—a place where her ideas are not only heard but also implemented. She shares the stark contrast between corporate life and entrepreneurship and why she believes some people are built for one over the other.   You'll learn: How Kelly entered affiliate marketing during the 2008 economic downturn The transition from small business to corporate America and what she learned The unexpected challenges of working in a corporate structure vs. small business The importance of an environment that values creativity and innovation How a keynote speaker changed her career trajectory The creation of a boutique female speakers bureau The joy of returning to small business, where ideas are heard and acted upon   Memorable Quotes: "I never in a million years thought I'd be in corporate America—and I don't think I'll ever go back." "Small businesses thrive on big ideas, but in corporate America, you have to learn to play the game." "Being in a place where my ideas are not just heard but implemented—it's refreshing!"   Resources & Mentions: Women Work F***ing Hard (Lindsay Shook's Organization) TransUnion & Corporate Experience Boutique Female Speakers Bureau   Actionable Steps for Listeners: Identify Where You're Stuck: Take a moment to evaluate if you're feeling “stuck” in your current work environment, whether it's corporate or entrepreneurial. Acknowledge whether you're going through the motions or if you're passionate about the work you're doing. Consider Change: If you feel uninspired, think about what small changes could make a big impact. Maybe it's speaking up more, suggesting ideas, or even considering a switch to a different work environment, such as a smaller, family-owned business or an entrepreneurial venture. Share Your Ideas: If you have an idea, share it with those around you. It might be with your team, your boss, or a mentor. Be bold and confident about it—you never know when it will be received well and put into action, just like in the story shared in the podcast. Take Action: Once your idea is heard, take action to help implement it. Be proactive in bringing your vision to life, as this can lead to personal growth and new opportunities. Find Your Authenticity: Reflect on whether you feel comfortable being your true self at work. If you're in an environment that allows you to be authentic, embrace it. If not, explore ways to bring more of your true self to what you do.   Final Thought: The feeling of being “stuck” is common, but there's always room for change. Whether you're in a corporate setting or a small business, it's crucial to find a place where you can share your ideas, have them valued, and take action. When you're able to be your authentic self and contribute meaningfully, everything feels refreshing. Never underestimate the power of a change in environment or mindset—it can light up your entire career and life.   What listeners have to say: “Her energy is fire! I love being able to apply her simple strategies and life tips to my daily life to be energized instead of existing.”   Loved this episode? If you found value in this conversation, don't forget to leave a review! Scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Your feedback helps us create content that supports your journey to thriving, not just surviving.   Connect with Kelly Rossi: LinkedIn   About Kelly Kelly Rossi has15 years of expertise in the financial sector specifically in the lending industry, specializing in alternative data, portfolio management, and affiliate marketing. Outside of work, Kelly lives in the Chicago suburbs with her husband and two daughters Isabella (5) and Reagan (2). She's not only a dedicated professional but also an entrepreneur, owning a speakers bureau called BellaFord and a networking group called ‘Women Work F'ing Hard'. On top of that, she serves on her local PTA board and coaches her daughter's sports.  In her free time, she enjoys being with friends and family, good wine, and good food!   Connect with Robyn: Get Robyn's #1 best selling book, Exhausted To Energized - 90 Days To Your Best Self  Get Robyn's free video  Sign up for Robyn's personal letter  View Robyn's website Follow Robyn on LinkedIn Robyn's Facebook Watch Robyn on Instagram    

Watch on YouTubeTedd Huff & John Gordon, CEO of ValidiFI, explore key shifts in Fintech and focus on Account Validation Technology. The focus is on account validation, fraud detection, and customer risk. With over 25 years in financial services, Gordon shares insights from his work at TransUnion and ValidiFI. He explains how behavioral signals like multiple emails, landlines, or shared accounts—can trigger higher risk. Gordon also breaks down why ACH transactions remain dominant, and how high-risk accounts show 11.5x more return failures. The episode covers challenges with virtual bank accounts, especially from neo banks, and how lenders can better identify stable users.John highlights how linking emails, phone types, and account behavior to reduce fraud and improve onboarding. He shares how AI and alternative data fill gaps left by outdated credit models, especially for BNPL users or consumers without full credit files.He predicts a rise in consumer control over financial data and warns that limited access may hurt repayment assessments. For fintech founders, his advice is clear: look at the full data picture account history, contact info, and usage to make better, faster decisions.Key Highlights

Your credit score is an important factor in your financial journey as it represents your potential risk of repaying your loans to lenders and creditors. Your credit score may also impact loan interest rates and term lengths which is why it's crucial to be aware of your credit score and any changes that may occur.  Links: Learn more about the benefits of a Better Checking account Access your better checking benefits through the Better Checking website Check out TCU University for financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  There are five factors to how your credit is scored – payment history, balances owed, age of credit, credit mix, and recent activity. Payment history and balances owed have the largest impact on your score.  Credit score ranges may vary based on the credit bureau's scoring model, however they are similar to:  300-579: Poor  580-669: Fair  670-739: Good  740-799: Very good  800-850: Excellent  The higher your credit score, the better rate you will get and the lower your payment will be. Your credit score can also influence your approval rate for many other things besides loans. It can determine if you get approved for a credit card and how much you get approved for. Property owners look at credit scores to decide who they want to rent to. Insurance premiums can also go up if your credit score is low.   Valuable Insights into Your Credit with Better Checking  Now that you know how your credit score works and why it matters, let's focus on some benefits you get with your Triangle Credit Union Better Checking account.  Credit Score Tracking  Receive valuable insights into your credit score and see your score plotted monthly in a chart so you can easily see your changes over time. Your credit score is analyzed with different factors by TransUnion—total of all account revolving balances, real estate information, oldest account, loan balances, recent account delinquencies, and derogatory payment status.   You can also receive monthly notifications right to your email to easily track your score.  Credit Report  Your personal credit report contains details about your financial behavior and identification information. Each credit reporting agency collects and organizes data about your credit history from your creditors and public records.   Reviewing your credit report allows you to check for mistakes or fraud and it's a good way for you to understand what lenders see when they check your credit history.  Credit File Monitoring  Credit File Monitoring consistently reviews your credit history in order to detect any key changes and verify the accuracy of what is reported.   With IDProtect, you have access to credit file monitoring – your credit report will be checked daily and you will be notified by email when key changes or important activity related to your credit report are detected, such as: credit inquiries, public records, delinquencies, negative information, employment changes, new accounts opened.   Alerts may also be sent directly to your mobile phone via text and can be set up on our dedicated Better Checking website.   In addition to credit score tracking and identity theft protection, your Triangle Credit Union Better Checking account also offers enhanced cell phone protection for up to four phones on your account—up to $400 per claim! Visit our checking account page to learn more and open an account today! 

According to a survey by TransUnion, a credit reporting company, in 2024, 54% of Canadians said they were recently targeted by email, phone call or text message fraud attempts. The impacts can be devastating and costly.Our question: What's your phone or cyber scam story? How do you protect yourself? 

In this episode of Global Risk Community Chat, we discussed revolutionizing vulnerability management with Joe Silva, the co-founder and CEO of Spektion. Joe shares his expertise in cybersecurity, drawing from his extensive experience as the former global CISO at JLL and cybersecurity leader at TransUnion.  Spektion is transforming the way organizations manage vulnerabilities by leveraging runtime behavior analysis to address risks beyond traditional CVE-based systems. Joe explains how their innovative approach helps enterprises understand software exploitability, prioritize risks, and integrate with existing tools like EDR, XDR, and SIEM. He also shares actionable insights for CISOs, risk managers, and security executives to enhance their vulnerability management strategies while reducing manual efforts and resource strain. If you want to be our guest or suggest someone for an upcoming episode, send your email to info@globalriskconsult.com with the subject line “Guest Proposal.”  Don't miss this insightful conversation on risk management, cybersecurity, and the future of vulnerability solutions.

What do Bigfoot and credit reports have in common? They're each the subject of many myths.We don't know much about 8-foot furry creatures, but we can dispel some of the folklore about credit and credit reports. Neile Simon is here to help us do that today.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.If you've ever wondered whether closing a credit card boosts your score or if credit counseling hurts your credit, you're not alone. Let's dive into these common misconceptions and separate fact from fiction.Myth #1: Paying Off Debt Instantly Improves Your Credit ScoreIt's a common belief that paying down debt will immediately result in a perfect credit score. However, credit improvement takes time because credit scores are based on your payment history.Reality: Your credit report gives lenders a snapshot of how responsibly you've managed debt over time. Consistently paying bills on time is the best way to build and maintain a strong score—but it won't happen overnight.Tip: Be cautious of anyone claiming they can “fix” your credit instantly. No legitimate company can erase negative (but accurate) information from your credit history overnight.Myth #2: Credit Counseling Destroys Your Credit ScoreMany people worry that seeking credit counseling will harm their credit score.Reality: Enrolling in a credit counseling program is a neutral mark on your credit report and does not directly affect your score. Closing accounts impacts your score, so working with an accredited nonprofit organization is essential to develop a plan that keeps your credit intact. That's why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management. Tip: Avoid paying for expensive credit monitoring or identity protection services. You can monitor your credit for free through reputable sources.Myth #3: Canceling Credit Cards Boosts Your ScoreMany people believe that closing old or unused credit cards is a responsible move, but it can actually hurt their credit scores.Reality: Lenders want to see two or three active credit lines. Closing credit cards reduces your available credit, which can negatively impact your score by increasing your credit utilization ratio (the percentage of available credit you're using).Tip: Keep zero-balance accounts open unless they charge an annual fee. If you must close an account, do so gradually—perhaps one every six months—to minimize the temporary impact on your score.Myth #4: Too Many Inquiries Hurt Your ScoreWhile excessive hard inquiries (when lenders check your credit for a loan or credit card application) can lower your score, not all inquiries count against you.Reality: Credit bureaus recognize rate shopping—for example, when you're comparing mortgage or auto loan rates. If you make multiple inquiries within a 45-day window, they count as one single inquiry, not multiple.Tip: Always shop around for the best loan terms without worrying about multiple hits to your credit score.Myth #5: Checking Your Own Credit Report Hurts Your ScoreMany consumers avoid checking their credit reports because they fear it will negatively impact their scores.Reality: Checking your own credit is a "soft inquiry" and does not affect your score. Only "hard inquiries" (such as applying for a loan or credit card) can impact your score.Tip: Review your credit report every 6–12 months to catch errors or fraud early. Get a free report from AnnualCreditReport.com, the only official site for free credit reports.Myth #6: Credit Scores Are Locked In for Six MonthsSome believe their credit score is only updated periodically, leading to confusion when making financial decisions.Reality: Your credit score is dynamic, meaning it updates as new information is reported—not every six months. Changes in balances, payments, and account activity can impact your score as soon as they are reported by creditors.Tip: If you're working on improving your score, be patient and consistent—your efforts will show over time.Myth #7: If I Pay My Bills on Time, I Don't Need to Check My Credit ReportIt seems logical that paying your bills on time means your credit report is in good shape. But that's not always the case.Reality: 80% of credit reports contain errors. Mistakes like incorrect account information or fraudulent activity can damage your score even if you've never missed a payment.Tip: Check your credit report at least once a year to identify errors and dispute inaccuracies before they hurt your financial standing.Myth #8: All Credit Reports Are the SameMany people assume that if they check one credit report, they've seen them all.Reality: There are three major credit bureaus—Equifax, Experian, and TransUnion—and they all calculate scores differently. Some lenders may pull from only one bureau, while others check all three.Tip: Review reports from all three bureaus to get a complete picture of your credit history and spot discrepancies.Myth #9: A Divorce Decree Automatically Removes You from Joint AccountsDivorce proceedings often divide assets and debts, but that does not automatically separate joint accounts.Reality: If you and your former spouse share a loan or credit account, both of you remain responsible for the debt—even if a court assigns the balance to one person.Tip: To protect yourself, close joint accounts or refinance loans to remove your ex-spouse's name. Simply relying on a court order won't protect your credit.Myth #10: Bad Marks Automatically Disappear After Seven YearsMany assume that negative information automatically falls off their report after seven years, but it's more complicated than that.Reality: Some items, like Chapter 7 bankruptcies, remain on your report for 10 years, while Chapter 13 bankruptcies stay for seven years. Paid-off accounts in good standing can remain for 10 years, which benefits your credit history.Tip: If you have negative marks on your report, focus on building positive credit habits to minimize their impact over time.Myth #11: I Can Pay Someone to “Fix” My CreditCredit repair companies often promise quick fixes, but many of their claims are misleading.Reality: No company can legally remove accurate negative information from your credit report. If a debt is legitimately yours, it will stay on your report until its expiration date.Tip: You can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies.The Truth About Credit ReportsUnderstanding your credit report and score is essential for financial success. By debunking these myths, you can take control of your credit and make informed financial decisions.Check your credit report regularly for errorsKeep credit card accounts open to maintain a strong scoreShop around for loans without worrying about multiple inquiriesWork with trusted advisors, not credit repair scamsIf 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:I have a $50,000 home equity line of credit with $40,000 currently owed. I'm in school for one more year and have had to draw $1,000-$2,000 from the line every couple of months to cover expenses. My interest rate is 2.6%. I was wondering if I could use the equity in my home to pay off this debt and get some extra cash to help me through the rest of school.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Credit CounselorsAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Vice President JD Vance will join his wife Usha Vance and national security adviser Mike Waltz on a controversial trip to Greenland, marking the highest-level U.S. visit since President Trump reignited calls to bring the territory under U.S. control. A new report finds consumer confidence in the economy has plunged this month to its lowest level in more than four years. CBS News business analyst Jill Schlesinger breaks down what it means. Investigators continue to look into the sudden death of retired Yankee Brett Gardner's son. Officials ruled out asphyxia as the cause on Tuesday, but authorities are still waiting for toxicology results that would determine if food poisoning played a role. Prince Harry is walking away from a charity that he started in 2006. Sentebale helps young people in southern Africa, but Harry says he cannot continue to work with the organization's chairman of the board after she challenged the other trustees. Bryan Kohberger, who is accused in the stabbing deaths of four University of Idaho students, is set to go on trial in a few months. Court documents reveal prosecutors could call his family to testify against him and they could be barred from attending the trial. Online gaming platforms topped the list for suspected digital fraud in the U.S. in 2023, with TransUnion flagging nearly 11% of transactions. After years of gaming online, Ricardo Rivera was hoping to cash in big to pay for his mother's cancer treatment. Instead, he became a victim of fraud. Prince Harry is walking away from a charity that he started in 2006. Sentebale helps young people in southern Africa, but Harry says he cannot continue to work with the organization's chairman of the board after she challenged the other trustees. Award-winning actor Rosamund Pike stars as Moiraine in "The Wheel of Time," now in its third season on Prime Video. Based on the bestselling novels, the series follows a young man destined to save or destroy the world—guided by Pike's powerful and determined sorceress. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Like it or not, fraud is part of life for government as much as for any other sector. For the government, fraud claims hundred of billions of dollars a year. TransUnion has completed a comprehensive study of the sources of fraud. The company's director of research and consulting, Greg Schlichter. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Like it or not, fraud is part of life for government as much as for any other sector. For the government, fraud claims hundred of billions of dollars a year. TransUnion has completed a comprehensive study of the sources of fraud. The company's director of research and consulting, Greg Schlichter. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Younger generations in particular are using it for big-ticket items. Rather than shelling out all in one month, they can pay over, say, three or four months – Mladen Čólić from TransUnion.

Welcome to The Chrisman Commentary, 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 today's episode, we look at MBAs thoughts on Fannie and Freddie conservatorship. Plus, Robbie sits down with Milo's Josip Rupena to discuss the latest happenings at the intersection of crypto and mortgage lending. And after yesterday's PPI report, he closes by going through the direction of mortgage interest rates.This week's podcast is sponsored by TransUnion. TransUnion offers thousands of B2B solutions designed to address the unique needs of mortgage lenders, especially for their identity-focused, data-driven mortgage insights and solutions. 

In this episode of “Credit Conversations with CIBIL”, Anupam chats with esteemed guests Mr. M. V. Nair, Advisor at TransUnion CIBIL, and Mr. Bhavesh Jain, MD and CEO of TransUnion CIBIL. Together, they explore the crucial role of credit bureaus in India's evolving financial ecosystem, the importance of CIBIL Score, and how financial inclusion initiatives are transforming access to credit for consumers and businesses. Tune in for valuable insights on building trust in the financial system and the future of credit accessibility. #FinancialInclusion #CreditScore #TransUnionCIBIL #PaisaVaisa #PersonalFinance #AnupamGupta #CreditBureaus #FinancialLiteracy #CreditConversations #CIBIL #CIBILScore #CIBILJaagran #CreditEducation #ConsumerEducation See omnystudio.com/listener for privacy information.

Welcome to The Chrisman Commentary, 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 today's episode, we look at lending lawsuits for residential and commercial lending. Plus, Robbie sits down with TRAiNED's Jonathan Freed to talk about what problems AI can solve in mortgage lending and how successful lenders are embracing it. And after yesterday's CPI report, he closes by going through today's PPI inflation figures.This week's podcast is sponsored by TransUnion. TransUnion offers thousands of B2B solutions designed to address the unique needs of mortgage lenders, especially for their identity-focused, data-driven mortgage insights and solutions. 

Welcome to The Chrisman Commentary, 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 today's episode, we look at how mortgage lending and politics are intertwined. Plus, Robbie sits down with TransUnion's Satyan Merchant to talk about how data and analytics are transforming the mortgage industry, from leveraging credit and alternative data to improving targeting, personalization, and marketing innovation. And he closes by going through the latest CPI inflation figures.This week's podcast is sponsored by TransUnion. TransUnion offers thousands of B2B solutions designed to address the unique needs of mortgage lenders, especially for their identity-focused, data-driven mortgage insights and solutions. 

I'm not a financial advisor; Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions.Watch the show on television by downloading the e360tv channel app to your Roku, AppleTV or AmazonFireTV. You can also see it on YouTube.When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Has your business been impacted by the recent fires? Apply now for a chance to receive one of 10 free tickets to SuperCrowdLA on May 2nd and 3rd and gain the tools to rebuild and grow!Devin: What is your superpower?George: Having steady hand and being a reliable, stabilizing force in my organization, but also externally for our customers as well.Access to capital remains one of the most significant challenges for small businesses, particularly for those led by underrepresented founders. Honeycomb Credit, an SEC-registered FINRA member crowdfunding portal, is changing that by enabling everyday investors to support businesses in their communities while earning a return.George Cook, Co-Founder and CEO of Honeycomb Credit, understands the barriers entrepreneurs face. Coming from a family that has operated a community bank for over 130 years, he saw firsthand the difficulties businesses encounter when seeking funding. "Small businesses are more than just a number," George explained. "Yes, financials are critical, but so are qualitative values like how a business treats its customers and employees."Unlike traditional banks, which rely primarily on financial metrics, Honeycomb Credit takes a community-driven approach. Entrepreneurs who apply for funding go through a vetting process before launching campaigns on the platform. Investors, often local supporters, vote with their wallets by investing as little as $100 in businesses they believe in. This creates a dual-layer assessment—both financial and community validation—that increases the likelihood of long-term success.One of the platform's defining characteristics is its flexibility. Unlike banks that impose rigid repayment structures, Honeycomb allows investors and business owners to collaborate on solutions if a business faces financial difficulties. George described a recent situation where an entrepreneur needed to restructure payments: "We take a lot of pride in our democratic approach. Investors, who believe in the business, get to weigh in on whether to adjust terms or pursue collections. This gives businesses a chance to stabilize and recover, often leading to a better outcome for both sides."Beyond financing, Honeycomb is making a significant impact in supporting diverse entrepreneurs. Over 80% of the businesses on the platform are minority-, women-, or veteran-owned, highlighting the extent to which traditional funding sources have overlooked these groups. "To know that Honeycomb is playing a role in leveling the playing field is really rewarding," George said.With the recent acquisition of Raise Green, a platform focused on climate-related investments, Honeycomb is expanding its impact investing opportunities. This move aligns with its mission of democratizing access to capital while allowing individuals to invest in alignment with their values. "Impact investing isn't just for the wealthy," George emphasized. "With Honeycomb, anyone can invest in their community and in causes they care about."Honeycomb Credit's model is proving that financial returns and community impact can go hand in hand. By empowering entrepreneurs and mobilizing local investors, it's fostering economic growth while giving individuals the opportunity to be part of the success stories in their communities.tl;dr:Honeycomb Credit empowers small businesses by enabling community-driven investments with as little as $100.George emphasizes the importance of qualitative factors in assessing a business's long-term success.The platform fosters financial inclusivity, with over 80% of funded businesses being minority- or women-owned.Honeycomb Credit's acquisition of Raise Green expands its impact investing opportunities in the climate sector.George's superpower, stability under pressure, helps him lead through challenges and inspire his team.How to Develop Stability Under Pressure As a SuperpowerGeorge's superpower is stability under pressure. As the Co-Founder and CEO of Honeycomb Credit, he has cultivated the ability to remain steady amid the constant ups and downs of entrepreneurship."Being an entrepreneur means you can have the best call of your life in the morning and face an existential crisis by the afternoon," George explained. His ability to maintain composure, lift his team when times are tough, and stay humble when things go well has been key to his success. He believes that leadership requires a stabilizing presence, both for employees and the small business owners Honeycomb supports.A prime example of his superpower in action came during Honeycomb's acquisition of Raise Green. With significant changes happening within the company, George faced the challenge of ensuring his team remained aligned and engaged. "One of my mentors told me, ‘If you repeat yourself so many times that you're sick of it, that's when the team is just starting to hear you,'" he shared. By consistently reinforcing the vision and expectations, he provided clarity and direction during a crucial transition, keeping both employees and stakeholders focused on the long-term mission.For those looking to develop this superpower, George offered practical advice:Stay in the moment. Avoid letting your mind race ahead to the next challenge. Focus on solving one problem at a time.Use deep breathing. Before entering a meeting, take three deep breaths to ground yourself and reset your focus.Communicate with consistency. Repeat key messages frequently to ensure your team fully understands and internalizes them.Stay humble. Celebrate wins but don't let them cloud your judgment. Likewise, don't let failures shake your confidence.By following George's example and advice, you can make stability under pressure a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileGeorge Cook (he/him):Co-Founder & CEO, Honeycomb CreditAbout Honeycomb Credit: Honeycomb is a community capital platform where independently owned small businesses can borrow expansion loans from their own customers, fans, and community members.  With Honeycomb, beloved local businesses are unlocking fair capital while build community wealth in the neighborhoods they serve.Website: honeycombcredit.comCompany Facebook Page: fb.com/honeycombcreditBiographical Information:George Cook is the Co-Founder and CEO of Honeycomb Credit, a Pittsburgh-based, VC-backed, loan crowdfunding website that allows locally owned small businesses to borrow expansion loans from their own loyal customers and fans.  Honeycomb unlocks fair growth capital for Main Street businesses, while simultaneously enabling anyone to invest local in their own communities.  Born and raised in southwestern Pennsylvania, George is a sixth-generation community banker.  His community banking roots have driven him to search for new methods of capital formation and access to credit for small businesses.  He started Honeycomb to counter the adverse effects resulting from the rapid consolidation of the community banking industry and to provide small businesses an alternative to predatory online loans that often do more harm than good.  Prior to founding Honeycomb Credit, George worked at TransUnion and ZestAI to develop state-of-the-art data analytics tools that help lenders extend credit quickly and fairly.  He has also previously served as an Economist at the U.S. Bureau of Labor Statistics.George holds a Bachelor's degree in Economics and Statistics from George Washington University and an MBA from the Tuck School of Business at Dartmouth College.Linkedin: linkedin.com/in/george-cook-honeycomb/Instagram Handle: @honeycombcreditSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, Honeycomb Credit, SuperCrowdLA and Crowdfunding Made Simple. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Ralf Mandt, Next Pitch | Scott Thorpe, Philanthropist | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Superpowers for Good Live Pitch – Where Innovation Meets Impact! Join us on March 12, 2025, for the Q1-25 live pitch event, streaming on e360tv, LinkedIn, Facebook, and Instagram. Watch impact-driven startups pitch their bold ideas, connect with investors, and drive positive change. Don't miss this chance to witness innovation in action!Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on March 18, 2024, at 1:00 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperCrowdHour, March 19, 2025, at 1:00 PM Eastern. Devin Thorpe will be leading a session on "How to Build a VC-Style Impact Crowdfunding Portfolio." He'll share expert insights on diversifying investments, identifying high-potential impact ventures, and leveraging crowdfunding for both financial and social returns. Whether you're an experienced investor or just getting started, this is a must-attend! Don't miss it!SuperCrowdLA: we're going to be live in Santa Monica, California, May 1-3. Plan to join us for a major, in-person event focused on scaling impact. Sponsored by Digital Niche Agency, ProActive Real Estate and others. This will be a can't-miss event. Has your business been impacted by the recent fires? Apply now for a chance to receive one of 10 free tickets to SuperCrowdLA on May 2nd and 3rd and gain the tools to rebuild and grow! SuperCrowd25, August 21st and 22nd: This two-day virtual event is an annual tradition but with big upgrades for 2025! We'll be streaming live across the web and on TV via e360tv. Soon, we'll open a process for nominating speakers. Check back!Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on EventsIgniting Community Capital to Build Outdoor Recreation Communities, Crowdfund Better, Thursdays, March 20 & 27, April 3 & 10, 2025, at 1:00 PM ET.NC3 Changing the Paradigm: Mobilizing Community Investment Funds, March 7, 2025Asheville Neighborhood Economics, April 1-2, 2-25.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington DC, October 21-22, 2025.Call for community action:Please show your support for a tax credit for investments made via Regulation Crowdfunding, benefitting both the investors and the small businesses that receive the investments. Learn more here.If you would like to submit an event for us to share with the 9,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Welcome to The Chrisman Commentary, 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 today's episode, we look at how President Trump has spooked markets. Plus, Robbie sits down with Mesa's Maya Velasquez to talk the future of mortgage. And he closes by examining why data suggests the U.S. economy is slowing.This week's podcast is sponsored by TransUnion. TransUnion offers thousands of B2B solutions designed to address the unique needs of mortgage lenders, especially for their identity-focused, data-driven mortgage insights and solutions. 

Welcome to The Chrisman Commentary, 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 today's episode, we look at the deal for Rocket to buy Redfin. Plus, Robbie sits down with AMC Encore's Jordan Chapman to talk about on the journey of an appraiser turned AMC leader, exploring career challenges, industry insights, and the evolving role of women in mortgage and valuation, plus what it takes to get an AMC approved in today's market. And he closes by examining why data suggests the U.S. economy is slowing.This week's podcast is sponsored by TransUnion. TransUnion offers thousands of B2B solutions designed to address the unique needs of mortgage lenders, especially for their identity-focused, data-driven mortgage insights and solutions. 

In this episode of “Credit Conversations with CIBIL”, host Anupam Gupta is joined by Mr. Bhavesh Jain, MD & CEO of TransUnion CIBIL, where he delves into the pivotal role of credit bureaus in India's financial landscape. Discover the history, significance, and impact of the CIBIL Score, and learn how TransUnion CIBIL is fostering financial inclusion and awareness. Whether you're a consumer aiming to understand your creditworthiness or a business seeking financial growth, this conversation offers valuable insights to navigate the credit ecosystem effectively.

Patrick Foy, senior director of strategic planning, TransUnion's insurance business, discussed what drove the surge in auto and property insurance shopping, insurer challenges from cat losses and rate limits, and how data targets top prospects.

TransUnion het onslangs sy jongste voertuigprysindeks bekend gemaak. Henry Botha, hoof van strategie besigheidsanalise-voertuigfinansiering by Absa bespreek die statistieke. Volg RSG Geldsake op Twitter

Marisol Schulte, CPCU, AIC, is a Senior Consultant of Personal Lines Strategic Planning and Insurance at TransUnion. Marisol supports in developing and executing TransUnion's product strategy for the personal lines property and casualty markets. She has over 18 years of property and casualty insurance experience, beginning in claims, with additional positions in R&D and Product Management for State Farm, CSAA, and Farmers. Schulte attained her CPCU in 2017 and graduated cum laude from California State Polytechnic University, Pomona with a bachelor's and master's degree in Mathematics. In this episode of In the Know, Chris Hampshire and Marisol examine the current conditions in Southern California in the wake of the January 2025 wildfires and discuss her journey in the insurance industry.   Key Takeaways Marisol's humble upbringing underscored the importance of education. From claim rep to actuarial work to the vendor side, Marisol has found there is always something new to learn in the insurance industry. You don't need to have a family member in the industry to succeed in your insurance career. The importance of networking in a successful career. The impact of the Southern California wildfires on insurance ratings and carrier approvals. Increasing insurance premiums are creating unique challenges for vendors.  Long-term solutions for insurance in California. The pros and cons of moving from claims to strategy. CPCU courses provide insights into every aspect of the insurance industry. Marisol's decision to move from the carrier to the vendor side. Insurtech aims to address the unicorns of the technology industry. Marisol's decision to earn her CPCU designation stemmed from the example of her mentors.  Insights into what's coming next in the insurance industry, the market, and the economy as a whole.  A five-year look at the future role of insurance in the constantly changing environment. Strategies for fostering a more welcoming insurance industry. Marisol's bold advice to her early career self.   Quotes “If you are willing to network, there will be someone willing to help.” “Beyond just insurance, there has to be something more that someone comes up with that helps with the new climate that we're in.” “Going through the CPCU courses allowed me to see what else is out there.” “In CPCU courses, I was having deeper and more meaningful conversations with different folks within the insurance industry.” “Everything is changing, and we have to keep abreast on how we can provide solutions in this changing environment.”  

TransUnion Sales VP Brad Deja is in the studio this month to talk shop! Josh starts by highlighting signs of a stabilizing market, including a slower decline in loan originations and the return of prime and below prime card issuance to pre-pandemic levels. Brad inquires about market expectations for Q1, noting a number of consumers are still struggling with inflation. Craig explains why he believes consumer credit health is evening out despite these challenges. When asked about the continued decline in originations, Josh attributes this to issuers' caution — while also pointing out positive demand signs in higher credit tiers. The conversation then shifts to current trends in card balances and utilization; Brad wonders whether delinquencies have peaked yet; and finally, Craig notes the most pertinent fraud challenges facing lenders today. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

With financial fraud on the rise, protecting your personal and banking information has never been more important. A recent JD Power study found that nearly 29% of bank account holders experienced fraud in some form over a 12-month period.To help us navigate the best security practices, Aaron Caid shares expert advice on how to safeguard your accounts from cybercriminals.Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. 1. Strengthen Your Password SecurityA strong, unique password is your first line of defense against fraud. Here's how to create one that's tough to crack:Use a mix of uppercase and lowercase letters, numbers, and special characters.Avoid using common words or easily guessed phrases (e.g., "password123" or your birthdate).Consider using a password manager to generate and securely store complex passwords.In addition to a strong password, enable two-factor authentication (2FA) for your financial apps. This extra layer of security requires a one-time passcode (usually sent via text or an authentication app) to verify your identity when logging in or completing transactions.Pro Tip: Turn off text message previews on your phone. If a scammer steals your phone, they could see your passcode on your lock screen and gain access to your accounts.2. Monitor Your Accounts & Stay Alert for FraudVigilance is key when it comes to detecting fraudulent activity early.Regularly check your bank accounts for unauthorized transactions.Review your credit reports through the three major bureaus—Equifax, Experian, and TransUnion—by visiting AnnualCreditReport.com.Sign up for transaction alerts from your bank or credit union to get notified of suspicious activity.Fraudsters also use phishing scams—fake emails, texts, or calls—to trick people into giving away personal information. These scams often create a sense of urgency to pressure you into acting quickly.Never share your:Username or passwordOne-time passcodesAccount or personal information over the phone, email, chat, or textHackers can spoof phone numbers and email addresses to make messages appear legitimate, even impersonating banks and credit unions. If you're ever unsure, call your financial institution directly to verify any suspicious messages.3. Use Secure Wi-Fi & Protect Your Personal InformationWe all love a good coffee shop work session, but public Wi-Fi networks are a big security risk when accessing sensitive financial accounts. Hackers can intercept your data and steal your login credentials.Always use a secure, password-protected Wi-Fi network when banking online.Use a Virtual Private Network (VPN) for added encryption and security.Also, ensure you don't let identity thieves find your personal information in the trash!Shred documents containing sensitive details like account numbers, social security numbers, or other financial information. Shredders cost as little as $35—a small price to pay for big security.Stay Secure & Bank with PurposeAs fraud prevention becomes increasingly important, many Christians are seeking banking solutions that align with their values. Christian Community Credit Union (CCCU) offers a Harvest Bundle—a unique checking and savings account designed to help members grow their savings while supporting missions worldwide.4% APY on the first $5,000 in Harvest Checking5% APY on the first $5,000 in Harvest Savings1.5% cash back on purchases with the Cash Rewards Visa CardA portion of proceeds supports missions, including gospel outreach, protecting vulnerable children, and fighting human trafficking. For those looking to align their banking with their faith, the Harvest Bundle from CCCU offers competitive rates and kingdom impact—a win-win for wise financial stewardship.If you're looking for a banking partner that reflects your faith and values, consider joining Christian Community Credit Union (CCCU).Ready to bank with purpose? Visit JoinChristianCommunity.com today!On Today's Program, Rob Answers Listener Questions:Can you provide a list of the faith-based investments that I can invest in? I'm trying to invest differently with my 401(k) funds.  I have an old work comp claim that was incorrectly billed, causing Medicare to deny payment. What happened, and how can I prevent this in the future? Also, if I submit a claim to the work comp company and they only pay a portion, am I responsible for the remaining balance? I own a free-and-clear home in Davenport. There is no mortgage anymore, and I would like to transfer 50% of ownership to a family member. Would I have to pay any taxes, or would my family members have to pay them because of this transfer? I'm retired, receiving $70,000 annually from disability and SSDI. I have $50,000 in a TSP account and $9,000 in debt that I'm paying off. I'm currently renting for $1,500 per month. Should I use my VA loan to purchase a home or just continue renting? I have a Roth IRA that I formed from a 403(b) annuity a couple of years ago. I'm 73 and will be 74 in a couple of months. At what point does the RMD apply to my Roth? Also, I'm retired and have Social Security and a retirement pension. I occasionally make profits from a book I publish and workshops I do. Can I make contributions to my Roth from those profits?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineList of Faith-Based Investing FundsCenters for Medicare & Medicaid Services (CMS.gov)AnnualCreditReport.comLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this informative episode of PennyWise, host Nat Cardona sits down with Chip Lupo, a credit card writer for WalletHub, to explore the vital topic of credit freezes. As the importance of maintaining a good credit score becomes undeniable, Chip offers a comprehensive guide on how to protect your credit and identity through the strategic use of credit freezes.Listeners will gain insights into the process of implementing a credit freeze, its benefits, and potential drawbacks. Chip explains how a credit freeze can safeguard personal information from fraudsters, especially during times of increased vulnerability, such as the holiday season. He also discusses the ease of managing credit freezes through the major credit bureaus—Experian, TransUnion, and Equifax—via online platforms, phone, or mail.Learn about the importance of unfreezing your credit before applying for new credit accounts and the impact of a credit freeze on existing accounts. Chip also highlights scenarios where a credit freeze might be beneficial and clarifies misconceptions about its effects on credit score improvements.Show notes created with assistance by https://headliner.app ---

Qué se mueve detrás de la gestora que vigila tu desempeño crediticio. El equipo de béisbol se alista para aumentar su capital y Canadá le pone precio a sus aranceles de contraataque. Siguen reportando los bancos y el equipo de Trump busca una prórroga para evitar el fin de la aplicación en EE.UU. 

We continue our episodes of the Auto Remarketing Podcast originating from Used Car Week 2024 in Scottsdale, Ariz., with panel discussion featuring three experts who discussed not only automotive wholesaling, retailing and financing, but also the general state of the economy. Sharing their perspectives are Laura Wehunt of Black Book, Satyan Merchant of TransUnion and Larry Dixon of the National Auto Auction Association.

Losing a loved one is a time of profound grief and confusion, and the practical tasks that follow can feel overwhelming. Settling a loved one's estate requires careful attention and preparation. Let's walk through six financial steps to take during this challenging time, all underpinned by prayer and reliance on God's guidance.Begin with PrayerBefore addressing financial matters, take time to pray. Invite God into your decisions and ask for wisdom. James 1:5 reminds us, “If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.”Prayer offers clarity and comfort, helping you approach the estate settlement process with confidence and peace, knowing the Holy Spirit is interceding on your behalf (Romans 8:26).Step 1: Obtain the Death CertificateThe death certificate is a critical legal document you'll need to settle your loved one's affairs. It's usually prepared by the medical examiner and provided through the funeral home.You'll need multiple copies for various purposes, such as notifying financial institutions, filing taxes, and starting probate. If you don't receive the death certificate within a few weeks, contact the funeral home or your local vital records office.Step 2: Begin the Probate ProcessTake the death certificate and the will to your county probate office to file a petition to begin probate. As the executor, you can then carry out the deceased's wishes.If there's no will, the process becomes more complex. You'll still petition the court to begin probate and may request to be named administrator of the estate. However, the court will decide how the estate is distributed according to state law. For guidance, consider consulting a Certified Kingdom Advisor (CKA). Visit FaithFi.com and click “Find a Professional” to find a trusted advisor.Step 3: Notify Financial Institutions and AdvisorsInform the deceased's financial institutions, banks, and financial advisors of their passing. Advisors can help identify assets and ensure they're handled correctly.Check for accounts with Transfer on Death (TOD) or Payable on Death (POD) instructions. These accounts can often bypass probate, simplifying the process.Additionally, notify the three credit reporting agencies—Equifax, TransUnion, and Experian. Provide the death certificate to close accounts and check for fraudulent activity.Step 4: Address Insurance PoliciesContact the deceased's life insurance company to begin the claims process and provide the death certificate and policy details.Also, cancel other unnecessary insurance policies, such as auto or disability insurance, to avoid ongoing payments for no longer required services.Step 5: Notify Government AgenciesEnsure the appropriate government agencies are informed of your loved one's passing. The funeral director often notifies Social Security but confirm that this has been done.Notify Medicare and, if applicable, the VA or other government programs. This step helps avoid complications and ensures benefits are properly adjusted.Step 6: File Final TaxesThe final step is filing the deceased's taxes, including any outstanding returns. This is often best handled by a professional, such as a CPA, to ensure compliance and accuracy.While these tasks may seem overwhelming, prayer and preparation can guide you through. Remember, you are not alone in this journey. Lean on God's wisdom and the support of trusted professionals to navigate this season with grace and confidence.On Today's Program, Rob Answers Listener Questions:My able-bodied older sister has been relying on our family for financial support for the past 8 years, even though the work she chooses doesn't provide enough income. Should we continue supporting her, or is that not helping her in the long run?My wife and I will inherit an IRA from my mother-in-law. The IRA and a brokerage account contain over $300,000 in cash. However, the money market account yield has dropped from 5.3% to 4.5%. Where should we invest this cash with the stock market looking richly valued?I'm 70 and retired, and I need to get a new car. I currently owe $27,000 on my home. Should I pay off the remaining mortgage, which would increase my monthly payment, or should I get a car that would cost around $20,000, which would lower my monthly payment? I don't know where to get the money to do either.My 91-year-old dad has a $3,500-$4,000 monthly shortfall in his long-term care expenses and is down to his last $25,000. I'm considering a reverse mortgage for him, as this could allow him to stay in his home for another 2.5 years. What are your thoughts on the different types of reverse mortgages and whether this could be a good option for his situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationMovement MortgageNational Christian Foundation (NCF)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Ted Rossman, a Senior Industry Analyst for Bankrate, says credit card debt is 'usually is something necessary,' like payments for a medical bill or a house or car repair. He says 53% have had the credit card debt for 'at least a year' The average credit card balance is about $6400 in the US according to TransUnion. He was on with Megan Lynch.

Send us fan responses! Experience the electrifying world of credit repair and financial strategy as I, Don Kalam, engage with the trailblazing entrepreneur Monte Millionaire. This episode promises to equip you with unparalleled insights to transform your financial journey. Monte shares his game-changing approach to credit repair, boasting results in just 14 days, and we dive into the intricacies of managing credit cards and hard inquiries. Together, we demystify the roles of agencies like Experian, Equifax, and TransUnion and emphasize the critical importance of the CFPB in client relationships.Through our personal narratives, we confront the conventional education system, highlighting its inadequacies in preparing individuals for financial independence. We reflect on the challenges of high school and college, questioning their effectiveness in ensuring success and financial security. Our conversation seamlessly transitions into the world of financial literacy, exploring credit repair as a powerful tool for debt management and the tax implications of debt cancellation. We share life lessons that offer more potent wisdom than what traditional schooling provides.Monte and I also embark on an intriguing exploration of history and societal norms, challenging popular narratives and celebrating the contributions of overlooked African American inventors. This episode is not just about financial empowerment; it delves into the fascinating intersections of education, Masonry, and societal structures, offering a fresh perspective on personal freedom and spiritual truth. Ending on a high note, we celebrate Monte's family-oriented credit business and his aspirations of becoming a billionaire by age 30, inviting listeners to connect for private consultations and further education through Don Kalam University.FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://donkilam.com https://www.amazon.com/CapiSupport the showhttps://donkilam.com

Learn how to avoid holiday shopping pitfalls and quickly improve your credit, with ideas for restoring your credit. How can you avoid overspending during the holidays? How can you can help your credit score recover after missed payments? Can rental payments be reflected on your credit reports? Hosts Sean Pyles and Sara Rathner discuss optimizing your financial habits during the holiday season and overcoming credit mishaps that could show up on your credit report. They begin with a discussion of impulsive holiday shopping, providing tips for intentional spending, minimizing waste, and prioritizing experiential gifts over material items. Then, NerdWallet credit writer Amanda Barroso joins Sean and Sara to discuss actionable strategies to help your credit score recover, including writing goodwill letters, disputing errors with credit bureaus, and improving payment consistency. They also explain how renters can report on-time payments to credit bureaus with free and low-cost services, tools like Experian Boost, and the importance of credit freezes for families. Missed a payment? Try writing a goodwill letter to remove it from your credit report. Here's NerdWallet's article on how to do it, along with a sample goodwill letter: https://www.nerdwallet.com/article/finance/goodwill-letter How to dispute credit report errors: https://www.nerdwallet.com/article/finance/dispute-credit-report   Real ways to improve your credit fast: https://www.nerdwallet.com/article/finance/raise-credit-score-fast  NerdWallet's guide to rent-reporting services: https://www.nerdwallet.com/article/finance/rent-reporting-services  Here is a downloadable letter you can print and complete to send to TransUnion to request that they freeze your child's credit: https://www.nerdwallet.com/assets/blog/wp-content/uploads/2019/09/TransUnion_credit-freeze_fill.pdf  In their conversation, the Nerds discuss: how to improve credit scores, rent payment credit reporting, credit utilization, goodwill letter for credit report, holiday shopping tips, sustainable holiday spending, credit freeze for children, building credit with rent, free rent reporting services, how to dispute credit report errors, intentional spending habits, credit reporting tools, credit repair strategies, holiday budget tips, protecting your credit, identity theft prevention, actionable credit repair tips, credit myths busted, low-cost credit building tools, affordable rent reporting options, and the child credit freeze process. 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.

In this holiday bonus episode — sponsored by TransUnion — host Evan Sparks digs into the Banking Journal archives to learn more about the “Christmas Club” savings vehicle, and what this financial product says about human psychology and behavioral economics. This episode is presented by TransUnion.

Jason Laky, Executive Vice President of Financial Services at TransUnion, returns for the first time since June 2022! Things kick off with a review of past predictions, including a recession forecast and an assessment of the current consumer credit market. Jason is optimistic about stable interest rates and potential regulatory improvements benefiting financial services. Josh and Jason discuss 2024 lender impacts across mortgage, auto, credit card and FinTech sectors, with a look at the state of consumer financial health. Jason considers whether consumers will adapt to current interest rates to enter the housing market. Craig and Jason address fraud sophistication and the need for financial institutions to implement better fraud mitigation strategies. They also explore potential disruptions in consumer lending, with Jason predicting generative AI will enhance financial services through improved personalization and efficiency. Finally, Craig inquires about student loan payments resuming, and the future of mergers and acquisitions in a challenging cost environment. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

“Well, your money's in Joe's house, that's right next to yours. And in the Kennedy House, and Mrs. Macklin's house, and, and a hundred others. Why, you're lending them the money to build, and then, they're going to pay it back to you as best they can.” Seventy-eight years ago, George Bailey memorably explained the operation of a mutual savings and loan to a national audience in It's a Wonderful Life. But while today's bankers understand mutuality, do today's potential clients? On the latest episode of the ABA Banking Journal Podcast — sponsored by TransUnion — bank leaders Gregg Tewksbury and Lori Dufficy discuss a new campaign, Mutuals Matter, that aims to educate consumers about mutual bank ownership. Among other things, they talk about: Why present, and future, customers need to be educated about the distinctive values of mutuality. How the campaign developed messaging that resonates with consumer. The role of the campaign in helping mutual bank employees understand their unique value proposition and take pride in their work. This episode is presented by TransUnion. If you can't see the audio player above, click here to listen to this week's episode. View the campaign at MutualBanksMatter.com. Read more in the ABA Banking Journal about public opinion on mutuality. Register for the ABA Mutual Community Bank Conference, April 6-7 in Washington, D.C.

I have a powerful story of drive for you. One that starts with tears and today is an impressive lists of stats. Let's start with the impressive list. Talia Fox is a leadership strategist. She holds an M.Ed. in counseling psychology from Howard University and she is a Harvard University Fellow. With her extensive background in psychology and education she assists leaders in developing successful strategies for complex missions, ranging from defense systems to healthcare initiatives. As CEO of KUSI Global, Inc., Talia helps organizations like the U.S. Securities and Exchange Commission, Harvard University, Transunion, the National Institutes of Health, Howard University, and the U.S. Departments of Defense and Veterans Affairs maximize human potential by leveraging strategic intelligence and helps individuals and organizations foster connected cultures and promote conscious equity. Now Talia has a new book titled, The Power of Conscious Connection: 4 Habits To Transform How You Live And Lead. But where we start in our conversation is Talia as a single mom, holding onto her baby and crying in a stairwell in her apartment building. At the end of her rope. And that is where she resolved to not let her circumstances decide her fate and to quit identifying as a lacking and struggling young woman. Here is what Talia says, “I decided to choose a different way of existing in the world. People can often be completely absorbed by their problems, she said. They don't jump out of bed, they drag themselves through feeling sad, tired, broken and disappointed. I started asking myself, what does this situation need from me today to be most successful? I became conscious how my choices impacted my outcomes. I became obsessed with human and social behavior and how our identities shape our choices and our lives. I was struck by how the seemingly small choices I made had the biggest impact on my mental well being. Sometimes veering off the well-trodden path of others and choosing a different path can lead to life-altering decisions. This is the story friends. This will be a good ride. Sign up for a $1/month trial period at shopify.com/kevin Go to shipstation.com and use code KEVIN to sign up for your FREE 60-day trial Get 20% off your first probiotic membership order at pendulumlife.com/drivesyou Go to cozyearth.com/driven and use code DRIVEN for an exclusive 40% discount Use my promo code WHATDRIVESYOU for 10% off on any CleanMyMac's subscription plans Learn more about your ad choices. Visit megaphone.fm/adchoices

Fraudology is presented by Sardine.In this timely episode of the Fraudology Podcast, Karisse Hendrick dives into the latest fraud trends and cybersecurity threats impacting e-commerce during the busy holiday shopping season. Hendrick shares surprising data from TransUnion showing a 30% decrease in fraud rates compared to last year's Black Friday and Cyber Monday period. She provides insider perspective on why fraud percentages may be lower, despite an increase in overall fraud instances, and compares this year's trends to previous holiday seasons. The episode also covers a recent FBI warning about cybercriminals' increasing use of generative AI to enhance their fraud schemes, including creating more convincing phishing emails, fake social media profiles, and impersonation scams. Hendrick breaks down the FBI's key tips for consumers to protect themselves, like using family code words and verifying callers' identities. For fraud prevention professionals, this episode offers valuable insights into evolving threats and defensive strategies as the holiday shopping season reaches its peak. Tune in to stay ahead of the latest fraud trends and learn how AI is changing the cybersecurity landscape.Fraudology is hosted by Karisse Hendrick, a fraud fighter with decades of experience advising hundreds of the biggest ecommerce companies in the world on fraud, chargebacks, and other forms of abuse impacting a company's bottom line. Connect with her on LinkedIn She brings her experience, expertise, and extensive network of experts to this podcast semi weekly, on Tuesdays and Thursdays.

The rarely used Congressional Review Act provides an opportunity for Congress and the president to overturn regulatory rulemakings — and the GOP trifecta in 2025 will bring new regulations up for review. On the latest episode of the ABA Banking Journal Podcast — sponsored by TransUnion — ABA experts Kirsten Sutton and Ginny O'Neill break down details about CRA that bankers need to know: Which rulemakings are subject to CRA disapproval resolutions — in financial services, principally Section 1033 and the newly finalized overdraft rule. How the GOP Congress might prioritize regulatory actions for CRA resolutions. The limitations on CRA and why, as Sutton says, “this is not a magic wand situation where Congress can just step in and CRA everything that we have a problem with.” This episode is presented by TransUnion.

Saved by the bell? Millions of American businesses faced a January 1 deadline to register their beneficial owners with the Financial Crimes Enforcement Network — until a federal judge issued a preliminary injunction yesterday stopping FinCEN from enforcing the deadline. On the latest episode of the ABA Banking Journal Podcast — sponsored by TransUnion — ABA experts Heather Trew and Jonathan Blum discuss: What bankers and their business clients need to know about the preliminary injunction and its provisions. How the preliminary injunction does not affect financial institutions' customer due diligence requirements — even if businesses are not required to report their beneficial ownership information to FinCEN, banks are still obliged to collect it from clients as part of CDD. Potential ramifications for AML/BSA activities if the Corporate Transparency Act that authorized the BOI registry is found to be unconstitutional. How this and other cases challenging the BOI registry may shake out, as well as the range of views on Capitol Hill on where to go from here. How ABA is engaging with both the current Congress and administration, and will advocate with the next Congress and incoming presidential administration, on these issues. This episode is presented by TransUnion.

In this episode of Future Finance, Glenn Hopper and Paul Barnhurst welcome Nathan Bell, a seasoned executive with over two decades of experience navigating complex intersections of finance, data analytics, and digital transformation. From his roots in coding at TransUnion to becoming a chief credit officer and later a CFO, Nathan shares his compelling journey and invaluable insights into leveraging data for decision-making and efficiency.Nathan Bell is a transformative leader in finance and technology, specializing in data-driven decision-making and digital transformation. With expertise spanning data governance, advanced analytics, and financial operations, Nathan has worked at the forefront of technology adoption in organizations ranging from startups to established enterprises. A former Gartner analyst, he now leads VI Consulting, helping finance teams unlock the potential of data and AI.Expect to Learn:The interplay between finance, data, and technology in decision-making.The critical first steps to establishing effective data governance and management.Real-world stories of overcoming challenges with data literacy and BI implementation.How to prepare finance teams for scaling and adopt advanced analytics.The importance of a sufficient "truth" in reporting and avoiding pitfalls in self-service BI.From building foundational data governance structures to navigating advanced analytics, Nathan emphasized that success lies in aligning teams, leveraging the right tools, and cultivating a culture of data literacy. His unique journey underscores the importance of embracing change and preparing for a future where finance professionals who adapt to AI and data-driven decision-making will lead the way.Follow Nathan:LinkedIn: https://www.linkedin.com/in/nathan-bell-1038662/Website: https://www.vai-consulting.com/Company: https://meetvirginia.io/Join hosts Glenn and Paul as they unravel the complexities of AI in finance:Follow Glenn:LinkedIn: https://www.linkedin.com/in/gbhopperiiiFollow Paul:LinkedIn: https://www.linkedin.com/in/thefpandaguyFollow QFlow.AI:Website - https://bit.ly/4i1EkjgFuture Finance is sponsored by QFlow.ai, the strategic finance platform solving the toughest part of planning and analysis: B2B revenue. Align sales, marketing, and finance, speed up decision-making, and lock in accountability with QFlow.ai. Stay tuned for a deeper understanding of how AI is shaping the future of finance and what it means for businesses and individuals alike.In Today's Episode:[01:59] From Coding to Finance Leadership[04:22] Building Stories with Data[09:35] Transition to Data Analytics Leadership[12:49] Tackling Data Governance Challenges[17:17] Owning the Data Narrative[19:57] Typical Clients and Scaling Finance Teams[25:23] Bridging the Finance Skills Gap[30:02] Fun and Random: Nathan's Travel Tales[32:52] Closing Thoughts and Wrap Up

David Shive is one of the longest-tenured CIOs in all of the federal government and serves as vice chair of the Federal CIO Council. He also helms the IT portfolio of one of the most innovative and forward-leaning agencies across the executive branch. As such, he's an insightful leader with a strong read on the state of technology transformation across the federal government. FedScoop recently caught up with Shive on the sidelines of ACT-IAC's Imagine Nation ELC event in Hershey, Pa. During our conversation, we touched on a variety of things, including trends in digital transformation that GSA and other agencies experienced over the past year, AI adoption and what's next – as well as an interesting insight he picked up recently on where the U.S. stands compared to its allies in digital service delivery. Top lawmakers on the House Financial Services Committee are using the stretch run of this congressional term to address the impact artificial intelligence has on the finance and housing sectors. Reps. Patrick McHenry, R-N.C., and Maxine Waters, D-Calif., the chair and ranking member of the committee, respectively, announced Monday the introduction of a resolution to acknowledge the rising use of AI in financial services and in the housing industry, as well as a bill that calls on financial regulatory agencies to study the benefits of the technology within the sector. The resolution and bill are the culmination of nearly a year of work from the committee's bipartisan AI working group and come just days before a hearing that will explore how the technology is framing the future of finance. In an era where personal data is increasingly commodified, the Consumer Financial Protection Bureau (CFPB) is attempting to regulate the sprawling industry of data brokers. A newly proposed rule released Tuesday aims to put data brokers in line with the Fair Credit Reporting Act (FCRA), ensuring accountability and consumer privacy amid widespread security issues. Initially established in 1970, the FCRA was one of the first pieces of legislation aimed at protecting consumer privacy. The proposed changes by the CFPB intend to broaden the law to include data brokers, holding them to the same standards as traditional consumer reporting agencies such as Equifax, Experian, and TransUnion. The CFPB's proposed rule redefines consumer reports to encompass any broker that obtains personal data related to credit and financial assessment.

The dreaded data breach notification... It tells you your personal data's been compromised and suggests steps you can take to minimize the potential harm. On today's episode, Kenny Malone pulls out a data breach letter he received and goes over what it recommends with Amanda Aronczyk. Amanda recently did a show about the legal and illegal markets for data and tells us how useful these steps actually are. It's news you can use to protect yourself, whether or not you've been part of a data breach.This normally would be a bonus episode just for Planet Money+ listeners. With this being the season of giving though, we're sharing this one with everyone! To hear more bonus content like this, regular episodes sponsor-free, and support the work of NPR, sign up for Planet Money+ at plus.npr.org. Related links:Data Breach Response: A Guide for Business (FTC)Have you been affected by a data breach? (FTC)Your Technology Is Tracking You. Take These Steps For Better Online Privacy (Life Kit)What happens after you get scammed? Can you get your money back? (Planet Money)Firewalls Don't Stop Dragons (cybersecurity and privacy podcast) Experian (credit bureau)TransUnion (credit bureau) Equifax (credit bureau) Always free at these links: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Find more Planet Money: Facebook / Instagram / TikTok / Our weekly Newsletter.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

TransUnion Sales VP Danielle Parry-Hill joins the podcast this month to discuss the state of the card market and growing concerns around fraud. Danielle and Josh kick things off by noting while originations are down, charge-offs, delinquencies and card utilization are rising. Danielle raises a key question from CFIs: Have delinquencies peaked? Craig advises issuers to adjust their risk strategies accordingly. Danielle points out CFIs are now facing significant fraud challenges, including bots testing identities. Josh highlights the surge in early default losses on credit cards and growing difficulty in managing fraud due to synthetic identities and first-party fraud. Craig shifts the focus to bankruptcy, noting while rates are low, increased debt settlements might be hiding underlying risks — and lastly, explains why private label cards have become riskier than bankcards. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

As many as 272 million people had their social security numbers leaked in a hack - Nicole is one of them, and you might be too. Today, Nicole explains how this leak happened, how to know if your data is exposed, and what to do to protect yourself.  Here is the website Nicole used to see if her data was leaked in the breach: https://www.npdbreach.com/ Learn more on freezing your credit with Equifax here: https://www.equifax.com/personal/credit-report-services/credit-freeze/ Learn more on freezing your credit with TransUnion here: https://www.transunion.com/credit-freeze Learn more on freezing your credit with Experian here: https://www.experian.com/freeze/center.html Learn how to freeze your utilities here: https://www.exchangeservicecenter.com/Freeze/#/ Learn how to do a banking freeze here: https://www.chexsystems.com/security-freeze/place-freeze Learn how to do an employment freeze here: https://assets.equifax.com/wfs/theworknumber/assets/twn_Employment_Data_Freeze_Request.pdf All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Brokerage services for alternative assets are offered by Dalmore Group, LLC, member FINRA & SIPC. Brokerage services for treasury accounts offering 6-month T-Bills are offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services are offered by Jiko Bank, a division of Mid-Central National Bank. Securities investments: Not FDIC Insured; No Bank Guarantee; May Lose Value.  Brokerage services for Regulation A securities are offered through Dalmore Group, LLC, member FINRA & SIPC. Risks at public.com/disclosures/alts-risk-and-conflict-of-interest-disclosure See public.com/#disclosures-main for more information.