Faculty Publications

Episode 18: Credit Scores with Bad Banker Ben, Part 1 of 2

Document Type

Podcast

Journal/Book/Conference Title

The Next Step Podcast: Adulting 101

Issue

18

Abstract

In Episode 18 of the Next Step podcast, the host welcomes Ben Anderson (“Bad Banker Ben”), with empeople Credit Union, to discuss credit scores. Ben explains why credit scores were created to replace biased lending decisions, tracing history from the origins in the 1950s to today. He explains that what counts as a “good” score shifts with economic conditions and details how credit scores affect approval, loan size, and interest rates alongside debt-to-income ratio. A bonus episode will cover student loans, repairing credit, and monitoring scores.

Department

Department of Communication and Media

Original Publication Date

4-30-2026

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