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credit score

3 statements across 3 episodes · 0 bullish · 1 bearish · 2 people on the record · first statement Jan 2, 2019 by Alex Rampell · across every show →

Everything said about credit score, oldest first

Jan 2, 2019 negative
Insight
Alex Rampell: The credit system presents a catch-22 for new borrowers
“The big problem with credit, not payments, but credit, is you can't get a credit score unless you have been granted credit. You can't get granted credit unless you have a credit score”
Alex Rampell Jan 2, 2019 ▶ 43:37 a16z Podcast | Fintech Revolution or Evolution?
Mar 9, 2019
Insight
A borrower's willingness to repay is as crucial as their financial ability
“Behind every credit score, if you think about how that works, it's willingness and ability to repay. And the psychological trait of the willingness is, in many cases, as important as the financial constraint of the ability.”
Alex Rampell Mar 9, 2019 ▶ 10:50 3 Ways Startups Are Coming for Established Fintech Companies -- And What To Do About It
Sep 3, 2026 neutral
Disclosure
Levchin: Affirm's original goal was building a credit score, not lending
“As a person recovering from doing lots of machine learning in the service of social media, which was, you know, good and well, but wasn't really what I was meant to do, and lusting for the days of doing machine learning to fight fraud, my MO was, I just want t…”
Max Levchin Sep 3, 2026 ▶ 25:26 Why AI Agents Could Finally Reinvent the Credit Card
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