We all have consumer data that impacts how we are perceived financially. But how can consumers access that data and use it in their favor? Today's guest breaks down the process for us. Eric Lapin is the Chief Strategy Officer of FormFree, a market-leading technology company whose patented technology is building a more transparent and inclusive credit and capital market. What are they doing differently? They're enabling creditors and lenders to understand a borrower's true ability to pay. In this episode, he chats with host David Lykken as he explains how they're democratizing data, what borrower-permissioned data is, and what direct source means regarding your finances. He also walks you through the purchase transaction when FormFree is involved. Tune in to this episode for insights to help you make better credit decisions.