This week on Commerce Code, we speak with Atif Mirza from VantageScore and Paul Siegfried from TransUnion. VantageScore is a credit score modeling and analytics company focused on innovation and financial inclusion, and TransUnion is a major credit reporting agency and a global information and insights company focused on building trust in global commerce.

Today we are talking about:

• Credit health for consumers overall
• The growth of BNPL and where that fits in
• What it means for the outlook for 2025
• We briefly contemplate what the world would have been like if consumers had even more access to bell-bottom jeans in 1976 - it’s either a terrifying or wonderful thought, depending on your aesthetics