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TransUnion: Extra Credit

TransUnion
Transunion
Credit Risk
Auto Lending
Credit Originations
United States
Credit Score
Financial Services
Origination
Brand Marketing
Identity
Multi-Channel Marketing
Delinquency
Interest Rates
Vantagescore 4.0
Energy Supply
AI (artificial Intelligence)
Credit Card Market
Mortgage Delinquency
Regulatory Environment
Tariffs

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. Have questions? Want to hear us discuss a specific topic? Email us at ExtraCredit@transunion.com Visit our website at www.transunion.com/extracreditpod The information discussed in this podcast co... more

PublishesInfrequentlyEpisodes44Founded5 years ago
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Artwork for TransUnion: Extra Credit

Latest Episodes

Recorded live at TransUnion’s 2026 Financial Services Summit, this episode features a timely conversation with S&P Global Chief Economist Paul Gruenwald on the forces shaping the macroeconomic outlook for lenders and financial institutions. While the... more

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 ... more

Join Craig, Josh and Charlie Wise, TransUnion’s EVP of Global Research and Consulting, as they unpack the forces shaping the 2026 consumer credit landscape. From a stabilizing macroeconomic backdrop to evolving lender strategies, Charlie walks throug... more

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 —... more

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 disc... more

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 desi... more

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.

Harmon... more

The latest installment of Extra Credit has Dawn Figlioli, VP of Sales, Financial Services at TransUnion, stepping into the host seat, guiding a conversation with Craig and Josh on the latest credit market insights.

The trio explores the current lend... more

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Recent Guests

Paul Gruenwald
Global chief economist at S&P Global
S&P Global
Episode: Episode 44: Why Growth Persists Despite Rising Headwinds for Consumer Credit Health
Jeff Richardson
CMO, VantageScore
VantageScore
Episode: Episode 43: Why Credit Score Choice Matters More Than Ever
Matias Petersen
TransUnion's head of credit risk solutions
TransUnion
Episode: Episode 43: Why Credit Score Choice Matters More Than Ever
Jason Laky
EVP of Financial Services at TransUnion
TransUnion
Episode: Episode 41: The Credit Trends and Tech Shaping 2026
Pete Turek
Senior Vice President, TransUnion Financial Services
TransUnion
Episode: Episode 40: Resilient but Uneven: How Consumers Are Weathering Credit Pressures
Christian Widhalm
Executive at Bloom Credit; former Chief Revenue Officer at Lenkey Technologies
Bloom Credit
Episode: Episode 39: Rewiring Credit Furnishment for a New Era
Dawn Figlioli
Sales leader at TransUnion who presents questions and context to discuss the latest credit market analysis
TransUnion
Episode: Episode 37: Growth and Change on the Credit Risk Spectrum
DJ Cox
Key client relationship leader at TransUnion
TransUnion
Episode: Episode 36: Risk, Resilience and the Future of Lending

Hosts

Craig LeChapelle
Co-host of Extra Credit, TransUnion podcast
Josh Turnbull
Host of Extra Credit, TransUnion podcast

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Talking Points

Recent interactions between the hosts and their guests.

Episode 41: The Credit Trends and Tech Shaping 2026
Q: Based on what you're seeing, how would you describe the state of the US credit market and what are the biggest trends this year?
The market shows resilience amid macro uncertainty, with consumer demand remaining strong even as tariffs and policy shifts create volatility. Banks and lenders are leaning more on data and analytics, including alternative data, to better assess risk and price credit appropriately. AI and data integration are central to improving risk models and operational efficiency going into 2026.
Episode 37: Growth and Change on the Credit Risk Spectrum
Q: What stood out to you the most in regards to what's changing in the credit market?
The market is broadly stable, with growth in certain segments, but stress indicators remain concentrated in auto and mortgage. Delinquency rates are higher for higher-risk segments, and risk management has become sharper across unsecured lending, subprime, and especially superprime, where competition from fintechs is intensifying.
Episode 40: Resilient but Uneven: How Consumers Are Weathering Credit Pressures
Q: Josh, what's the headline here for Q3?
The trend shows divergence in the credit landscape with a broader base of originations supported by subprime and younger borrowers, while risk controls and tighter lines are restraining some segments, resulting in overall stability despite pockets of risk in auto and mortgage.

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Frequently Asked Questions About TransUnion: Extra Credit

What is TransUnion: Extra Credit about and what kind of topics does it cover?

This program covers the U.S. financial services landscape with a focus on credit, risk, and data-enabled marketing. Episodes routinely explore how lenders deploy scoring models, the evolving credit gap, and the impact of data innovations on underwriting, furnishment, and risk governance. Guests range from large-bureau and lender executives to fintech and marketing leaders, offering practical takeaways on originations, delinquency signals, and the regulatory environment. The conversation style tends to balance macro-market context with concrete implications for banks, fintechs, and mortgage players, often including actionable guidance for pilots, vendor relationships, and policy considerations. A notable strength is linking data strategy to ... more

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1. Moody's Talks - Inside Economics

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TransUnion: Extra Credit launched 5 years ago and published 44 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on TransUnion: Extra Credit?

Recent guests on TransUnion: Extra Credit include:

1. Paul Gruenwald
2. Jeff Richardson
3. Matias Petersen
4. Jason Laky
5. Pete Turek
6. Christian Widhalm
7. Dawn Figlioli
8. DJ Cox

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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