Alex Lintner

We protect their identity.

We do everything that I described earlier.

We give them access to comparing financial products so they can lower their cost of borrowing.

We give them access to lower cost

car insurance, et cetera.

And those consumers like us.

And I know that because we ask them.

And we get a net promoter score, and we look at that religiously every month to see how are we doing, are we doing right by all these people, et cetera, et cetera.

Now, there is another population that may not have that relationship with us that have, through life's circumstance, have a bad credit score.

And those people sometimes don't like us.

And I'm going to make it really personal.

Alex was one of them.

I'm an immigrant.

I came here just about exactly 30 years ago.

And when you're an immigrant, you don't have a credit score.

You don't have access to credit.

Life's really hard, really, really hard for us immigrants in the beginning years.

And I wish there were a system that the law would allow to make life easier for people like us.

But there isn't.

And my life became difficult, you know, because I, you know, wanted to stay here.