The Score

How are the credit reporting bureaus integrating BNPL financial data and using it? Find out in this episode with Liz Pagel, Senior Vice President, Consumer Lending Business Leader at TransUnionFollow us on social media!youtube.com/vantagescorefb.com/vantagescoretwitter.com/vantagescorevantagescore.com/linkedininstagram.com/vantagescore

Millions of people have been financially impacted by COVID-19 around the world. How has the pandemic impacted the way American consumers are managing their debts? Find out in this episode with Emre Sahingur, SVP for Predictive Analytics, Research and Product Management at VantageScore Solutions.Follow us on social media!youtube.com/vantagescorefb.com/vantagescoretwitter.com/vantagescorevantagescore.com/linkedininstagram.com/vantagescore

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/vantagescorefb.com/vantagescoretwitter.com/vantagescorevantagescore.com/linkedininstagram.com/vantagescore

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 diverse communities, mortgage finance and affordable housing issues. Learn about his experiences being Korean in America from childhood to the ground breaking initiatives he's leading today. He is also the CEO of Association of Asian American Investment Managers, a national non- profit organization dedicated to the advancement of Asian Americans & Pacific Islanders in the field of investment management.This is part two.

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 diverse communities, mortgage finance and affordable housing issues. Learn about his experiences being Korean in America from childhood to the ground breaking initiatives he's leading today. He is also the CEO of Association of Asian American Investment Managers, a national non- profit organization dedicated to the advancement of Asian Americans & Pacific Islanders in the field of investment management.This is part one.

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 what we can expect under the Biden Administration in housing finance.Kara frequently works on issues involving the U.S. House Financial Services Committee, U.S. Senate Banking Committee, U.S. Department of the Treasury, Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), U.S. Department of Housing and Urban Development (HUD), Federal Deposit Insurance Corporation (FDIC) and the U.S. Federal Reserve System.This is part two.

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 what we can expect under the Biden Administration in housing finance.Kara frequently works on issues involving the U.S. House Financial Services Committee, U.S. Senate Banking Committee, U.S. Department of the Treasury, Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), U.S. Department of Housing and Urban Development (HUD), Federal Deposit Insurance Corporation (FDIC) and the U.S. Federal Reserve System.This is part one.

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 Equifax’s global markets. As we dive into his journey, learn how he came to oversee teams that have generated six patent pending technologies as well as insight into the technical side of credit. Find out some interesting history on Equifax, one of the national credit reporting bureaus, along the way.This is part two.

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 Equifax’s global markets. As we dive into his journey, learn how he came to oversee teams that have generated six patent pending technologies as well as insight into the technical side of credit. Find out some interesting history on Equifax, one of the national credit reporting bureaus, along the way.This is part one.

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 her on a mission of financial literacy. Learn expert tips on budgeting, debt payment strategies, investing and managing your credit score.This is part two. 

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 her on a mission of financial literacy. Learn expert tips on budgeting, debt payment strategies, investing and managing your credit score.This is part one. 

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 Principal of Your Mental  Wealth® Advisors. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues.His work has been featured on ABC News’ 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger’s, Money Magazine, NPR and many other media outlets and professional magazines and journals.

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 of the Financial Psychology Institute® and a Managing Principal of Your Mental  Wealth® Advisors. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues.His work has been featured on ABC News’ 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger’s, Money Magazine, NPR and many other media outlets and professional magazines and journals.

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 450 metros nationwide. In addition, Svenja and her team publish original research on various real estate topics, ranging from rental and mortgage affordability, negative equity, forecasting to policy, millennial and mortgage research.In this episode, she shares her journey on how she became an economist at one of the leading online real estate companies and her predictions for the housing marketing. We discuss everything from home value gains and hot markets to the future of real estate and how the pandemic has affected trends. This is part two.

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 450 metros nationwide. In addition, Svenja and her team publish original research on various real estate topics, ranging from rental and mortgage affordability, negative equity, forecasting to policy, millennial and mortgage research.In this episode, she shares her journey on how she became an economist at one of the leading online real estate companies and her predictions for the housing marketing. We discuss everything from home value gains and hot markets to the future of real estate and how the pandemic has affected trends. This is part one.

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 -- VantageScore Solutions.In this episode, we have an intimate conversation with the President and CEO of VantageScore, Barrett Burns, who joined during its formation in 2006. He shares insight to his journey that lead him to become a pioneer in the industry. Understand the process, importance, and future of credit score model development. 

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 discuss how the increased dependency on technology poses opportunities and security challenges from Zoom to cloud safety. Learn what you can do to protect yourself as an individual and as a business. Just like your hands, it's important to keep your credit and finances clean to stay financially healthy.

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 a business during COVID-19.

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 Director of Consumer Education and Advocacy for Experian. He is responsible for Experian’s national consumer education programs and outreach. Rod serves as an expert spokesperson on consumer issues, particularly credit reporting, credit scoring and identity theft, and is frequently quoted by national television, print, radio and online media including the New York Times, Washington Post, CBNBC.com, MSNBC.com, Time Magazine, and other national media outlets.  He currently represents Experian on the Jump$tart Coalition for Personal Financial Literacy Board of Trustees and previously served on the LifeSmarts Corporate Advisory Board, which he chaired in 2016.