The Score

What's the difference between traditional underwriting and cashflow underwriting? Get an inside look with expert Kelly Cochran, Deputy Director at FinRegLab. Today we discuss what cashflow underwriting is and the benefits and risks of using this data in credit scoring. Follow us on social media! youtube.com/vantagescore fb.com/vantagescore twitter.com/vantagescore vantagescore.com/linkedin in...

In this episode, we sit down with Gary Stein, Chief Product & Compliance Officer at Opy to discuss what's fueling BNPL - this new category's growth, whether the data will be reported to the credit bureaus and what led this former regulator back to the private sector. Follow us on social media! youtube.com/vantagescore fb.com/vantagescore twitter.com/vantagescore vantagescore.com/link...

Wondering how to travel on a budget? Learn how to capitalize on points for your travel from hotels to credit cards from popular travel and finance blogger Lee Huffman, Founder of BaldThoughts. Find out what the best rewards programs are, how the pandemic has affected the travel and credit card industry, and travel hacks for your next vacation. 

Today we break down model minority and Asian American representation in the mortgage and finance industry with Jim Park, CEO and Co-Founder of The Mortgage Collaborative, who has nearly 30 years of experience in the private, government and nonprofit sectors, and has successfully launched a number of financial services related businesses. Jim has dedicated his career to supporting issues related to...

Today we break down model minority and Asian American representation in the mortgage and finance industry with Jim Park, CEO and Co-Founder of The Mortgage Collaborative, who has nearly 30 years of experience in the private, government and nonprofit sectors, and has successfully launched a number of financial services related businesses. Jim has dedicated his career to supporting issues related to...

Today we meet at the intersection of housing finance and policy with Kara Ward, Partner at Holland & Knight, who has worked extensively on efforts to reform the single-family residential housing system. Learn abut innovations, policies, and efforts underway to open up housing opportunities for disadvantaged and underserved communities. Find out how COVID-19 affected unbanked households and wha...

Today we meet at the intersection of housing finance and policy with Kara Ward, Partner at Holland & Knight, who has worked extensively on efforts to reform the single-family residential housing system. Learn about innovations, policies, and efforts underway to open up housing opportunities for disadvantaged and underserved communities. Find out how COVID-19 affected unbanked households and wh...

How is AI used in credit? What is alternative data? In this episode, we talk to Peter Maynard who leads Equifax’s Global Capabilities team that focuses on identifying and driving innovative data and analytics solutions. His responsibilities include analytical product development and innovation, identity linking and matching, identity fraud solutions, as well as data and model governance across Equ...

How is AI used in credit? What is alternative data? In this episode, we talk to Peter Maynard who leads Equifax’s Global Capabilities team that focuses on identifying and driving innovative data and analytics solutions. His responsibilities include analytical product development and innovation, identity linking and matching, identity fraud solutions, as well as data and model governance across Equ...

What money moves should you make in your 20s versus 30s? How can you avoid the common pitfalls so you can put your best financial foot forward? In this episode, we sit down with Yanely Espinal, Creator of the popular YouTube channel MissBeHelpful. After finding herself in $20,000 of credit card debt after college, Yanely shares her tried and true practices on how she paid it off - which inspired h...

What money moves should you make in your 20s versus 30s? How can you avoid the common pitfalls so you can put your best financial foot forward? In this episode, we sit down with Yanely Espinal, Creator of the popular YouTube channel MissBeHelpful. After finding herself in $20,000 of credit card debt after college, Yanely shares her tried and true practices on how she paid it off - which inspired h...

How do finances affect your mental health? What can you do about it? In this episode, financial psychologist Brad Klontz shares strategies on how to recognize your money script behavior and better understand shame, depression, values, and stressors around money that may keep us from reaching our financial goals. Brad Klontz  is a Founder of the Financial Psychology Institute ® and a Managing Princ...

Wondering how to bring up money with your partner? When is the perfect time? What should you say? In this episode, we sit with Brad Klontz, an award winning financial therapist and advisor. Learn ways to discuss financial goals, different incomes, and how to handle financial disagreements whether you're in the early stages of relationship or with a long-term partner. Brad Klontz  is a Founder...

How has COVID-19 affected the housing market? What challenges is it facing? Today, we sit down with Dr. Svenja Gudell is the chief economist of Zillow Group. She leads the industry-leading economic research team at Zillow, a recognized voice of impartial, data-driven economic analysis on the U.S. housing market. Under Svenja’s leadership, Zillow produces monthly reports on housing trends for over...

How has COVID-19 affected the housing market? What challenges is it facing? Today, we sit down with Dr. Svenja Gudell is the chief economist of Zillow Group. She leads the industry-leading economic research team at Zillow, a recognized voice of impartial, data-driven economic analysis on the U.S. housing market. Under Svenja’s leadership, Zillow produces monthly reports on housing trends for over...

Can 20th-century credit scoring models really address the economic realities of the 21st century? By the early 2000s, many lenders had begun to worry that the old ways of scoring customers really were getting, well, old. In response, the three national credit reporting companies (CRCs), Equifax, Experian, and TransUnion, joined forces to create a more advanced credit scoring solution -- VantageSco...

How is COVID-19 affecting cyber security? Are we more vulnerable these days? Are you more at risk living in a city versus the suburbs or country? We're back with Adam Levin, Founder of the international cyber security firm CyberScout. Adam shares insight on how hackers are taking advantage of the pandemic, creating new threats and the changing landscape. As the world turns more digital, we di...

Gemma Postlethwaite is the CEO of Arizent, a financial business information and media company, and is responsible for the company's 30+ brands. She dives into her journey of becoming a female CEO and how she's leading change in the finance industry. Gain insight as we go behind the scenes on how she manages a large firm, how she champions other women in the industry and navigates running...

Have you ever wondered why there are three credit reporting bureaus? How is credit and credit scores differ in other countries? In this episode, Rod shares his journey that led him to his path at Experian and breaks down difference between the credit reporting bureaus, how credit is different around the world, and resources at Experian you can leverage during COVID-19. Rod Griffin is the Senior Di...

Eric Rosenberg is a freelance writer specializing in finance and investing and founder of the popular finance blog PersonalProfitability.com. He has written for TD Ameritrade, SoFi, Citizens Bank, Business Insider, Investopedia, Huffington Post, Credit Karma, Forbes, MSN, Nasdaq, Mint by Intuit, and many other outlets. Before writing about finance and investing, Rosenberg was a former bank manager...

How do you protect your identity and credit in the age of cyber warfare? Whether you are an individual or a business, learn the landscape of cyber scams, security and how to protect yourself. It's more important than ever to avoid and minimize your risk, or as they call it "point of entry". Adam Levin is the co-founder and former CEO of Credit.com, one of the first websites to make...

How do you protect your identity and credit in the age of cyber warfare? Whether you are an individual or a business, learn the landscape of cyber scams, security and how to protect yourself. It's more important than ever to avoid and minimize your risk, or as they call it "point of entry". Adam Levin is the co-founder and former CEO of Credit.com, one of the first websites to make...

What mindset makes an entrepreneur successful? Jim Deitch, now co-founder and CEO of Teraverde, is a successful serial entrepreneur and started up three national banks. He shares his journey and life long lessons his grandfather taught him as child. These lessons shaped him and shares his expertise for the next generation of entrepreneurs. He was previously the co-founder and CEO of American Home...

Are you an entrepreneur or small business owner wondering if you should use your personal credit score to start up your business? Did you know business credit scores exist? These days it's common to have a side hustle. Starting up a business is tough and navigating the confusing world of consumer and small business credit doesn't make it any easier. Gerri Detweiler, Head of Market Educat...

Are you confused about credit cards and reward programs? If you're looking for a way to maximize your points and get the best deals you're in the right place. Jason Steele is a leading journalist in the credit and credit card industry. Hear his story on how he became a voice for the industry.  He has written about credit cards, travel, and personal finance for over 10 years. In this epis...