In this episode, Craig LaChapelle is joined by VantageScore’s Jeff Richardson and TransUnion’s Matias Petersen to unpack the growing importance of credit score choice. They discuss how market volatility, competition and regulatory shifts are driving adoption across lending segments — from mortgage to auto and cards. The conversation highlights practical considerations, ranging from model performance and governance to operational rollout, while outlining how lenders can test, validate and scale new scoring approaches to improve portfolio outcomes and expand access.

As 2025 comes to a close, economic uncertainty and volatility remain top of mind for lenders and consumers alike. In this episode, Jason Laky, EVP of Financial Services at TransUnion®, joins Josh and Craig to unpack the year’s biggest credit trends — from resilient consumer demand to challenges in mortgage and auto — and what they signal for 2026. Jason also explores how lenders are leveraging alternative data and AI to manage risk and drive inclusion in a rapidly evolving market.

TransUnion’s Pete Turek joins to discuss new stats around originations, balances and delinquencies that reveal a growing split in consumer financial health — and what lenders should watch heading into 2026.

Christian Widhalm, CEO of Bloom Credit, joins the latest episode of Extra Credit to unpack the evolving landscape of credit data furnishment.

In this episode of Extra Credit, Harmon Lyons, VP of Strategy and Market Development for TransUnion’s financial services marketing solutions, joins Craig and Josh for a deep dive into the evolving role of data in financial services marketing.

The latest episode of Extra Credit covers mid-year credit trends, consumer stability, and the risks and opportunities shaping the lending landscape. Listen now.

The latest episode of Extra Credit covers tariffs, federal spending, the labor market, global trade and more.

TransUnion’s latest Extra Credit podcast covers industry trends, shifting origination and delinquency patterns, inflation challenges and consumer credit health.

TransUnion's Jason Laky is back to review past predictions, assess the current consumer credit market and discuss future impacts on lending.

Guest Danielle Parry-Hill dives into the latest card market trends with Josh and Craig — from rising delinquencies and charge-offs to the growing fraud challenges CFIs face.

Craig LaChapelle and Josh Turnbull join host Lisa Joyce on American Banker’s podcast to discuss evolving fraud trends and identity strategies.

Josh and Craig joined Jim Marous on The Financial Brand's Banking Transformed podcast to discuss how credit card issuers can maximize profitability amidst today's challenging market.

Craig and Josh discuss card performance trends, technological advancements in lending and the most pressing objectives for card issuers with Steve Manion, Card and Banking Sales VP at TransUnion.