Alex Lintner

I did pay all my utilities, et cetera, et cetera.

And I want it to have access to credit.

So we tried to lower the hurdle and therefore have fewer of those people who are impacted by life circumstance.

To me, it was the fact that I was an immigrant so that we don't have people upset and therefore not liking Experian.

I don't think they don't like Experian.

They don't like what that score expresses at the time.

And if we have issued it to whatever lender they talk to, then the finger gets pointed at us.

Well, sure.

Don't sell it.

We don't sell it.

We provide it by free because it's the right thing to do.

It's free for the consumer.

It's free for the bank.

No, no, no.

It's the right thing to do.

Because what you're pushing on, Nila, is you are expressing in your own words what kind of company we are.

I would probably express it differently, but directionally, you're describing it right.

When you're in that business, you need to have a really clear...

ethical compass on how you conduct business.

We have that at Experian.