This episode, we're joined by Lena Bourgeois from Equifax, who shares her fascination with cultural differences and is an expert on credit scores and their impact on car insurance. Lena discusses her experiences as a European in the US, gives us a peek into her life in the automotive industry, and we begin to understand how the world of credit scores intersects with car insurance. 

 As we navigate through our discussion, Lena enlightens us on how credit isn't just about borrowing money; it's a vital cog in the wheel of auto insurance too. She helps us differentiate between deep subprime and super prime credit scores, and how income and alternative data shape insurance scores. Equipped with her expertise, we delve into the methods insurers employ to assess risk - analyzing credit and car histories - and begin to see the invisible thread that marries credit card debt, multiple credit cards, and credit scores into one ‘number’. 
 
 We also touch upon the pandemic and how it has played a significant role in shaping consumer credit scores. Lena shares insights on stimulus payments and their potential to improve credit scores.  She also addresses the myth about multiple credit checks damaging credit scores. 

In our feature segment, it is Konrad’s Car Clinic and we are looking at the evolution of exhaust systems and mufflers.

All this and more on this episode of In Wheel Time Car Talk!

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