Your STORY becomes your WHY. Marketpulse is, at heart, about sharing marketing advice and support to those who are either trying to 'DIY' what they're doing, or to help those who are looking for support, to find the right partners, and ask the right questions as they outsource. As we recorded and released season 1 (ending April 2025), we realised, that we're each of us, the product of our journey, story and vision. That's what connects us to our 'why'. As we launch Season 2, we're going to d ...
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MarketPulse Podcasts
Market Pulse is a monthly podcast by Equifax, in partnership with Moody’s Analytics. Equifax hosts bring you interviews with industry experts on the latest economic and credit insights that can help drive better business decisions. Whether you’re in financial, mortgage, auto or another service industry, we help make sense of the latest economic conditions that impact you. This podcast series supplements our Market Pulse webinars, which occur on the first Thursday of each month.
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Enjoying the Show? Share Your Experience! Bruce McCarthy has spent his life building things – first with Lego, then with teams, products, and companies. In this episode, he takes us from childhood curiosity to becoming one of the most recognised voices in modern product leadership. His stories reveal how creativity becomes strategy, and how mindset…
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Naughty or Nice? 2025 Economic Recap & 2026 Resolutions
48:17
48:17
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48:17In this special holiday edition, Emmaline Aliff is joined by Equifax Advisors Tom O’Neill, Dave Sojka, Jesse Hardin, and Maria Urtubey for a “Santa Scorecard” look back at what was naughty or nice in the 2025 economy, and what may change in 2026. The group unpacks AI adoption, rate cuts, equity market resiliency, and rising consumer stress signals—…
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Driving Efficiency and Resilience in the Mortgage Industry
19:53
19:53
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19:53Jennifer Henry of Equifax sits down with Andrew Davidson, president of Andrew Davidson & Co. and a leading voice in mortgage analytics, to unpack one of the most misunderstood elements of housing finance: credit scores. They explore what a credit score actually measures, why different models and bureaus produce different results, how VantageScore’s…
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From Healthcare to Helping Others | David Birchmore
43:28
43:28
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43:28Enjoying the Show? Share Your Experience! What happens when life forces you to pivot, and you finally give yourself permission to succeed? In this MarketPulse Pros & Pioneers episode, I sit down with David Birchmore, who went from a career in healthcare to building a business that helps others find the courage to make a change. His journey is full …
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From Gang Kids to Global CEOs | Dr Alison Schmidt
53:04
53:04
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53:04Enjoying the Show? Share Your Experience! Can you imagine going from working with gang-affiliated kids to coaching global CEOs? That’s the extraordinary path of Dr Alison Schmidt, who’s built a career redefining what leadership really looks like. In this episode of MarketPulse, Alison opens up about her unconventional journey through retail, hospit…
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Why Most Leaders Hit Rock Bottom First | Kathy Archer
41:17
41:17
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41:17Enjoying the Show? Share Your Experience! Ever felt like your leadership role was slowly crushing your spirit? In this episode of MarketPulse, we dive deep with Kathy Archer, a leadership coach who helps women in the non-profit sector lead with confidence and clarity after burnout. Kathy’s journey is raw and honest. She shares the moment her values…
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Credit File Contradiction: Why is Each Different?
26:40
26:40
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26:40HousingWire CEO Clayton Collins brings together an unprecedented trio — Joel Rickman (Equifax), Michele Bodda (Experian), and Satyan Merchant (TransUnion) — for a first-of-its-kind conversation on how data is redefining the mortgage process. The three leaders also unpack key topics dominating the MBA Annual 25 conference floor — from the tri-merge …
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How are innovation, data, and AI are transforming the mortgage experience? Wendy Hannah-Olson, SVP of Digital Alliances and Strategy Execution at Equifax, sits down with Jonas Moe, SVP of Marketing at ICE Mortgage Technology to discuss this evolution, from streamlining operations and improving borrower engagement to keeping the human connection at …
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From Warehouse to Web Strategy | Mark Tuxford
29:48
29:48
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29:48Enjoying the Show? Share Your Experience! Mark Tuxford’s story is not your typical marketing career path. From stacking boxes in a warehouse to breaking through as a sports journalist, to eventually running digital strategy at MWB and hosting the People Behind Brands podcast, his journey is proof that the most powerful marketers are often those who…
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The Real Cost of Credit Reports: Data, Competition & Policy Implications
44:18
44:18
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44:18Emmaline Aliff of Equifax joins Dr. Amy Crews Cutts, Chief Economist at AC Cutts & Associates, to unpack the real costs and competitive dynamics of mortgage credit reporting. They dig into what the data actually shows about tri-merge pricing, lender negotiation power, fallout loans, and the entry of VantageScore. In this episode: What is the true c…
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Mortgage Industry Evolution: Data, Transparency, & the Future of Lending
18:52
18:52
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18:52Recorded live at MBA Annual 2025, HousingWire CEO Clayton Collins talks with Joel Rickman, SVP of Verification Services/Workforce Solutions at Equifax, and Justin Demola, President of Lenders One, about the ripple effects of FICO’s new pricing model, the rise of VantageScore, and how smarter lending data can drive efficiency, affordability, and inn…
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The Rewrite Trap: Why Experts Stay Silent - Kristen Sweeney
39:33
39:33
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39:33Enjoying the Show? Share Your Experience! Kristen Sweeney’s story begins with Broadway dreams—but her real stage would be the boardroom. From training in musical theatre to founding a strategic content agency for the life sciences and B2B sectors, Kristen has learned that communication isn't just about talking—it's about translating expertise into …
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How Credit Score Competition Is Reshaping the Mortgage Market
18:52
18:52
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18:52At MBA Annual 2025, HousingWire CEO Clayton Collins interviewed Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore, about one of the biggest industry shifts in decades: the entrance of VantageScore into the mortgage ecosystem. In this episode: Why is credit score competition important? For decades, the mortgage industry has …
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MBA Annual25 Day 2: Tri-Bureau, Triggers & Tooling Up
16:14
16:14
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16:14Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman and guests Ashley Sellers, Elaina McFarland, and Bobby Deery break down what lenders are asking for right now: AI-driven workflow efficiency, expanding use of soft-pull strategies, and dual processing to analyze Vantage Score alongside existing scores. Who are the speakers? Rebecca K…
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MBA Annual25 Day 1: Data, Innovation & the Future of Mortgage Lending
21:25
21:25
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21:25Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman, SVP of Experience and Partner Marketing at Equifax, sits down with Emmaline Aliff, Tom Ciulla, and Chris Mock to unpack the biggest themes from Day One — from innovation and data-driven lending to the industry’s ongoing dialogue around tri-merge vs. single-bureau credit models. Who …
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Why Great Leaders Don’t Have All the Answers | Julie Donley
37:08
37:08
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37:08Enjoying the Show? Share Your Experience! What if the root of your workplace burnout wasn’t overwork—but bad leadership? In this powerful episode of MarketPulse: Pros and Pioneers, Dr Julie Donley shares her remarkable story—starting from being abandoned at sixteen, to rising as a respected Director of Nursing, and now transforming organisations as…
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She Left Banking to Save Families | Shani Avidar
32:59
32:59
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32:59Enjoying the Show? Share Your Experience! Are you a new parent desperate for better sleep — for you and your baby? This episode is your lifeline. We’re joined by Shani Avidar, founder of The Sleep Concierge, a former banker who transformed her life (and thousands of others) by helping families reclaim their nights. From battling sleep deprivation t…
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Why Most People Suck at Self-Promotion | Frank Agin
29:14
29:14
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29:14Enjoying the Show? Share Your Experience! What if self-promotion is killing your business? In this episode of MarketPulse: Pros and Pioneers, we welcome Frank Agin, founder of AmSpirit Business Connections and an authority on building value through meaningful relationships. Frank challenges the way we think about networking, referrals, and how true…
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Market Pulse Index: A Holistic View of Consumer and Market Health
35:37
35:37
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35:37As the U.S. government shutdown delays key economic data, the Equifax Advisors team steps in with deeper insights. Host Emmaline Aliff is joined by Jesse Hardin, Tom O’Neill, and Maria Urtubey to unpack the indicators that matter most when visibility is limited—and to debut the Market Pulse Index, a new holistic measure capturing the intersection o…
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The Real Reason Your Meetings Suck | Hayley Watts
39:30
39:30
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39:30Enjoying the Show? Share Your Experience! Most professionals don’t need more hours in the day—they need better systems. In this episode of MarketPulse: Pros and Pioneers, we sit down with productivity coach and speaker Hayley Watts, whose work has transformed how teams and individuals overcome overwhelm and make meetings meaningful again. With a ba…
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What to Do When Motivation Disappears in Business | Willie Nicol
32:52
32:52
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32:52Enjoying the Show? Share Your Experience! What happens when the career you’ve built your identity on... just stops feeling right? Willie Nicol spent over 30 years in policing, moved into corporate security, and found himself completely lost after an unexpected redundancy. In this episode of MarketPulse: Pros & Pioneers, Willie gets brutally honest …
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What Lenders Need to Know About a Fast-Changing Regulatory Landscape
35:04
35:04
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35:04Host Jesse Hardin sits down with Stephanie Gunselman, head of Federal Government Relations at Equifax, for a wide-ranging look at how Washington is shaping the future of lending and credit reporting. From a cooling labor market and inflation to evolving priorities at the CFPB, they explore the latest legislative and regulatory developments — includ…
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Stop Guessing What Your Customers Want | Babs Crane
31:19
31:19
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31:19Enjoying the Show? Share Your Experience! How do your customers actually make decisions? This week’s guest, Babs Crane, says the answer isn’t in your product—it’s in behavioural science. In this episode of MarketPulse: Pros & Pioneers, Babs shares how she went from a high-performing sales career to launching a behavioural design consultancy that he…
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This Is Why Your Sales Pitch Fails | Anthony Solimini
25:44
25:44
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25:44Enjoying the Show? Share Your Experience! This is the sales episode you didn’t know you needed. Anthony Solimini joins us on MarketPulse: Pros & Pioneers to dismantle everything you think you know about selling. With a career that spans global banking, high-stakes sales training, and stand-up comedy, Anthony brings unmatched insight into how people…
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What School Doesn’t Teach You About Success | Seyam Hamed
23:23
23:23
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23:23Enjoying the Show? Share Your Experience! In this episode of MarketPulse: Pros & Pioneers, we sit down with Seyam Hamed, a 24-year-old entrepreneur who went from tutoring in local libraries at age 16 to building a global online tutoring brand alongside his sister. Seyam shares his extraordinary journey from the traditional expectations of an academ…
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What’s on Lenders’ Minds in 2025? Insights from Equifax Advisors
38:35
38:35
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38:35Equifax Advisors Maria Urtubey, Emmaline Aliff, Tom O’Neill, Jesse Hardin, and Dave Sojka share what they’re hearing directly from Equifax lending customers across industries. From student loan repayment impacts to shifting auto lending dynamics and tariff uncertainty, the team highlights the questions lenders are asking, the insights uncovered in …
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Your Business Isn’t the Problem - You Are! | Mark Musselman
31:40
31:40
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31:40Enjoying the Show? Share Your Experience! What if your business problems weren’t really about your business at all—but about you? In this episode of MarketPulse: Pros & Pioneers, we sit down with Mark Musselman, a leadership veteran and founder of MX5 Consulting, who’s helped steer multimillion-dollar companies and now works with CEOs to navigate t…
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Faith, Fire, and Scaling Without Burnout | Jim Diebold
29:22
29:22
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29:22Enjoying the Show? Share Your Experience! Jim Diebold isn’t just a business coach—he’s a man on a mission. After a career spanning electrical engineering, high-level sales, and entrepreneurship, Jim found his calling in helping faith-driven entrepreneurs scale their businesses without losing themselves in the process. In this episode of MarketPulse…
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Why Business Needs More Drama (and Less BS) | Michael Allosso
42:12
42:12
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42:12Enjoying the Show? Share Your Experience! What do theatre and leadership have in common? According to Michael Allosso—everything. In this riveting episode of MarketPulse: Pros and Pioneers, we're joined by one of the world’s most dynamic speakers and leadership coaches. Michael has spent decades helping business leaders show up with presence, power…
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The Truth About Leadership They Never Taught You | Judy Micale
30:42
30:42
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30:42Enjoying the Show? Share Your Experience! Judy Micale has built a life and career around one core principle: compassion is power. From her early experiences working across social service, education, and corporate leadership, Judy saw a recurring gap—leaders weren’t trained to lead with heart. In this episode, she reveals the truths most leadership …
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Consumer Wealth Trends: What Financial Marketers Need to Know
26:13
26:13
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26:13Equifax Senior Advisor Tom O’Neill sits down with Ian Wright, Chief Strategy Officer at IXI, to unpack the shifting landscape of consumer wealth in a post-COVID economy. Drawing on exclusive IXI data, they explore how total U.S. household assets have grown to over $66 trillion—while the median household has actually lost ground. The conversation di…
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How Fake Engagement is Destroying Your Business | Dan Hall
46:50
46:50
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46:50Enjoying the Show? Share Your Experience! Social media is broken—and Daniel Hall is on a mission to fix it. This Special Edition of MarketPulse: Pros and Pioneers dives deep into two powerful stories: 1️⃣ The personal journey of Daniel Hall—from a childhood marked by adoption and dyslexia to becoming a tech innovator, entrepreneur, and creator of S…
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What the Latest Economic Signals Reveal About U.S. Consumers
38:15
38:15
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38:15Host Emmaline Aliff is joined by economist Amy Crews Cutts, President at AC Cutts and Associates, and a panel of Equifax experts—Maria Urtubey, Tom O'Neill, and Dave Sojka—to unpack the latest signals from both hard and soft economic data. From shifting consumer sentiment to rising tariffs and the ripple effects on credit, lending, and affordabilit…
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Why Chasing Happiness Is Making You Miserable | Erin Burgoon
28:28
28:28
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28:28Enjoying the Show? Share Your Experience! What if chasing happiness is the very thing making you miserable? We’ve been sold the idea that happiness comes from achievements, success, and checking all the right boxes. But what if we’ve got it backwards? Dr Erin Burgoon, author of Joy-Full AF: The Essential Business Strategy We’re Afraid to Put First,…
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Breaking Limits: The Man Who Won’t Stop | Andy Stone
29:42
29:42
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29:42Enjoying the Show? Share Your Experience! What does it take to go from hitting rock bottom to becoming a world record-breaking endurance athlete? Andy Stone’s story is one of unbelievable resilience, grit, and defying the odds. Expelled from school. Battling addiction. Facing a future with no direction. But instead of becoming another statistic, An…
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How to Make Your Brand Truly Unforgettable | Jimi Gibson
30:08
30:08
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30:08Enjoying the Show? Share Your Experience! Most marketing is forgettable. Jimi Gibson knows why—and he’s here to fix it. Jimi started his career as a professional magician, learning the art of capturing attention and leaving audiences amazed. Today, as VP of Brand Communication at Thrive Agency and the creator of The Magic Script™, he applies the sa…
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The Go-Giver - Feel GOOD About Selling! | Bob Burg
28:01
28:01
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28:01Enjoying the Show? Share Your Experience! Most people think sales is about persuasion, tactics, and closing deals. But what if the real secret to success was giving more than you take? In this episode of MarketPulse: Pros and Pioneers, we sit down with Bob Burg, the bestselling co-author of The Go-Giver, to discuss how shifting from a sales-first m…
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Master Storytelling, Community & Video in 2025 | Dorien Morin Van Dam
31:38
31:38
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31:38Enjoying the Show? Share Your Experience! Storytelling isn’t just a marketing trend—it’s the foundation of brand success. This week, we welcome Dorien Morin-van Dam, a social media strategist, content creator, and international keynote speaker with over 14 years of experience. As a Certified Agile Marketer, Dorien helps businesses craft powerful or…
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The Hidden Struggles of Grassroots Sports | Alex Fitchett
28:40
28:40
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28:40Enjoying the Show? Share Your Experience! For many of us, grassroots sports are where it all begins. Whether it’s football, cricket, or rugby, local clubs shape communities, teach life skills, and bring people together. But there’s a serious problem—these clubs are folding at an alarming rate. This week on MarketPulse: Pros and Pioneers, we sit dow…
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A Midyear Check on the U.S. Economy with Moody’s Analytics
12:10
12:10
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12:10Host Olivia Voltaggio is joined by Shandor Whitcher, Economist at Moody’s Analytics, for a timely check-in on the U.S. economy. They discuss the recent shift from early-year optimism to growing uncertainty driven by shifting trade policy, rising jobless claims, and inflation concerns. Shandor breaks down the latest GDP and consumer credit data, exp…
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Why Most HR Fails (And How to Fix It) | Gemma Crane
26:01
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26:01Enjoying the Show? Share Your Experience! HR should be about people—but too often, it's just about policies, compliance, and ticking boxes. In this episode of MarketPulse: Pros and Pioneers, we’re joined by Gemma Crane, the founder of Mindset HR, who’s on a mission to fix broken HR systems and make the workplace a better, more productive place for …
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The ADHD Crisis No One Talks About | Sarah Templeton
42:26
42:26
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42:26Enjoying the Show? Share Your Experience! In this powerful episode of MarketPulse: Pros and Pioneers, we’re joined by Sarah Templeton, a psychotherapist, author, and passionate advocate for ADHD awareness in the criminal justice system. Sarah is the founder of ADHD Liberty, the first UK charity screening for ADHD in police stations, fighting to sto…
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Enjoying the Show? Share Your Experience! In this episode of MarketPulse: Pros and Pioneers, we welcome John Vlach, known to many as “John the Video Guy.” With a career spanning nearly a decade at Rock the House, where he led creative services, John has transitioned into freelance video production, YouTube content creation, and mentorship. His miss…
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How Small Businesses and Consumers are Responding to Economic Uncertainty
34:33
34:33
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34:33In this Small Business Month edition, experts from Fiserv and Equifax unpack how small businesses and consumers are responding to ongoing economic uncertainty. Darryl Tyndorf, Director of Economic and Analytical Insights at Fiserv; Mike Spriggs, Head of Consumer Insights at Fiserv; and David Adams, Head of Commercial Product Marketing at Equifax di…
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Curiosity, Challenges, and Entrepreneurial Drive | Hayley Meakes
32:47
32:47
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32:47Enjoying the Show? Share Your Experience! In this episode of MarketPulse: Pros and Pioneers, we welcome the dynamic and insightful Hayley Meakes, a marketer, mindset coach, and award-winning speaker with over two decades of experience. As the founder of Gain Momentum Marketing, Hayley has worked with global brands, created transformative workshops …
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From Exile to Excellence: A Story of Resilience and Reinvention | Christian Ray Flores
30:16
30:16
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30:16Enjoying the Show? Share Your Experience! In this episode of MarketPulse: Pros and Pioneers, we welcome Christian Ray Flores — an entrepreneur, recording artist, philanthropist, and high-performance coach with a story that reads like a Hollywood script. From fleeing a military coup in Chile as a child to becoming a pop star in Eastern Europe and ul…
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Crafting the Right Attitude for Success | Pierre Bauzee
30:21
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30:21Enjoying the Show? Share Your Experience! Pierre Bauzee, Founder of Beyond Satisfaction, joins MarketPulse: Pros and Pioneers to share his invaluable insights on building a high-calibre workforce in the hospitality and customer service sectors. With over a decade of experience managing operations at renowned luxury hotels like the Four Seasons Geor…
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Mastering the Art of Storytelling | Adrian Fulle
43:23
43:23
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43:23Enjoying the Show? Share Your Experience! In this second appearance on MarketPulse: Pros and Pioneers, Adrian Fulle, CEO of Good Salt Life, dives deeper into the transformative power of storytelling in business. Discover how some of the world's most successful brands use storytelling to capture attention, create emotional connections, and drive pro…
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Enjoying the Show? Share Your Experience! 🎬 MarketPulse: Pros & Pioneers — Season Two is Coming! In the trailer for the upcoming season, I reflect on season one's journey and — honestly — I couldn’t be more excited for what’s ahead. This season? We’re leveling up. Expect a dynamic lineup of guests, from ex-Hollywood pros to marketing trailblazers. …
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A Shifting Economic Landscape: Consumer Sentiment, Tariffs, and Risk Mitigation
33:13
33:13
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33:13Equifax advisors Jesse Hardin, Dave Sojka, Tom O'Neill, and Maria Urtubey explore the disconnect between positive hard data and declining consumer sentiment, rising concerns over tariffs, and their disproportionate impact on households and businesses. They dig into leading indicators to watch—like delinquency rates, employment trends, and consumer …
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