Today, we’re joined by two entrepreneurs making credit more understandable and accessible for people.   Freddy Kelly is the Founder of Credit Kudos, a new model credit bureau making better data available to lenders. Matt Ford is the Founder of Pariti, an app built to help consumers improve their credit and qualify for new products. Pariti was recently acquired by UK challenger bank Tandem, who we've had on the podcast before.   To help people get oriented, Freddy’s voice is the one you’ll hear in response to my first question about how credit scores traditionally work.   We’ve got a number of group episodes lined up over the course of the summer. Let us know what you think of the format. Connect with us on Twitter @rebankpodcast, or on LinkedIn, Facebook or our website at www.bankingthefuture.com.   If you like today's episode, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.   Thank you very much for joining us today. Please welcome, Freddy Kelly and Matt Ford.