Alex Lintner

And, you know, I went to school here.

That's initially how I came here.

And then I wanted to stay here and get a job and all of that.

And if you don't have credits, you know, you're riding public transportation to work, et cetera, et cetera.

I mean, it's, you know, I had an hour and a half commute for years and years because I couldn't afford a car, couldn't buy the car because I didn't have enough cash.

life's hard.

And in those situations, there are much worse stories than my personal stories, but I just want you to know I've felt it before.

What we try to do is we try to do away with people having low credit scores by giving them tools to improve their credit score.

The way that the initial formula was written

It allowed for all recurring financial transactions to become part of the score.

I don't want to pick on our competition, so I'll phrase it this way.

We're the only ones who allow that.

Credit bureaus, other credit bureaus, they only take lending history.

So have you had a loan before into account?

Well, there's other recurring financial payments.

your streaming service, your cell phone bill, et cetera, et cetera.

There are so many payments that you make your utility bills that you make every month.

And if you make them reliably every month, that should be part of your score and therefore increase your score.

We've created a system called Boost, Experian Boost, where people can upload that information and that credit score goes up.

So they don't have to go through that period that I did because I did rent an apartment.