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TransUnion: Extra Credit

TransUnion: Extra Credit

Written by: TransUnion
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 Once a month, our card and banking leaders ditch their meetings for microphones to share buzzword-heavy predictions, recent market developments and pressing trends in the U.S. financial industry.

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Email us at ExtraCredit@transunion.com Visit our website at https://www.transunion.com/extracreditpod

The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liability for any actions taken based upon the content of this podcast.

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Episodes
  • Episode 41: The Credit Trends and Tech Shaping 2026

    Episode 41: The Credit Trends and Tech Shaping 2026
    Jan 8 2026
    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. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.
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    33 mins
  • Episode 40: Resilient but Uneven: How Consumers Are Weathering Credit Pressures

    Episode 40: Resilient but Uneven: How Consumers Are Weathering Credit Pressures
    Dec 4 2025
    Pete Turek — a TransUnion® SVP responsible for overseeing relationships with more than 120 of the nation’s leading financial institutions — join Josh and Craig this month to unpack insights from the latest Consumer Industry Insights Report. The discussion highlights a “K-shaped” dynamic in lending, with strong growth at both ends of the credit spectrum, record personal loan originations and Gen Z’s rising influence. The conversation also covers tighter credit lines, longer auto loan terms, delinquency trends across products and the impact of the recent government shutdown. Looking ahead, the group examines how tax season, student loan offsets and macroeconomic factors could shape consumer credit performance in early 2026. For lenders and risk professionals, this episode offers a clear, data-driven view of where consumer credit stands — and what’s next. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.
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    23 mins
  • Episode 39: Rewiring Credit Furnishment for a New Era

    Episode 39: Rewiring Credit Furnishment for a New Era
    Oct 30 2025
    Christian Widhalm, CEO of Bloom Credit, joins the latest episode of Extra Credit to unpack the evolving landscape of credit data furnishment. Christian shares how Bloom is tackling the limitations of legacy credit reporting formats — originally designed for traditional products and monthly cycles — and helping lenders report both conventional and alternative data more accurately and in real time. The conversation covers the rise of BNPL, the promise of transactional data for underserved consumers and regulatory headwinds shaping open banking. Widhalm also weighs in on why traditional credit data isn’t dead — despite the hype — and how FinTech partnerships are accelerating innovation across the lending ecosystem.
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    27 mins
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