. >> guest: what ruth is large part isn data privacy and with experian being hooked up with banks and things and they're sharing information, so that's a totally different issue entirely. but yes, when you do apply for a credit card orr is a hard inquiy on your account. what ruth is talking about data privacy, you know, we could get into on another call in another day. >> host:ho this is a view of a tweeter who ask how much is average american pay in late fees compared to finance charges? >> guest: again, americans as a whole are spending $12 billion a year on credit card late fees, and about 42 million americans last year admitted to actually missing a payment. that could mean because of anything. auto pay wasn't set up, you silva forgot. it's not that people don't want to paint and also not because the cfpb wants to eliminate late fees altogether. it's a myriad of things. people are paying a lot, $12 billion in late fees. >> host: from that in pennsylvania, go ahead. >> caller: why do banks give people money back and take money from people? they take money from people who pay late f

it has brought together experian and palestinian security officials, as well as political officials,he us had sent the most senior person on the middle east there. it is all happening under his watchful eye. the statement on —— after the talks broke up, started early at the state. it said both palestinians and the israelis are committed to de—escalating for the violence and are committed to maintaining the statistical rules on the holy site ofjerusalem. that is very important because we are looking at having the islamic holy month of ramadan coinciding with the week long holiday of passover, and that will put a lot of pressure on the contested holy sites, especially jerusalem. in addition to that, we are hearing that the palestinian and israeli sides have committed to stopping what is being culled unilateral measures. from the palestinians, that means they will not go to the un and other international forums at the state to press for action against the israelis. israel is committing specifically to stopping the establishment of any new settlement building for a period of four months

. ♪ ♪ and it's thanks to experian - ♪ booooost! now rent can boost your fico® score. the app now. no two bodies are the same. some pads, never got that message. but, always flexfoam did! it protects against different flows for up to zero leaks. and it flexes to fit all bodies, for up to zero feel. feel it yourself with always flexfoam. >>> we are back with the night cab crew. jackie ibanez and the rest of the crew. tonight, we are talking about the power of our minds. this is got kevin corke written all over it. [ laughter ] >> let me tell you, i am a big believer that you can will yourself over to the finish line. you got to do the work. you have to will and hope and wish yourselves to different levels of life. >> fake it until you make it. i was taught that growing up. as long as there is hope, you could complete any task. you may not be the best or the fastest, hope goes a long way. >> hope is a beautiful day. >> yes, i am not sure if that was the exact quote but i am going to give it to you. one point for kevin corke. now, his match, jonathan hunt, in the west coa

, it's the of england, experian, it's the widest pay gap within their male counterparts. pubush counterparts. paul so we just publish everybody's salary like they do in sweden and just be done with this. i'm not sure that's necessary and i'm not sure i support it. and sure i would support it. and i guess it's a trade unionist that should shouting about the should be shouting about the gender pay gap from from the roots. to say , i roots. but i have to say, i think it's largely meaningless because i don't think it really tells us what it is that we're looking for. what it tells us is the difference in average earnings across the country between men and women . but it between men and women. but it doesn't tell us it doesn't factor in the reasons why there is that distinction. you know, the fact that women are doing certain jobs. why are they doing particular jobs? why are they sometimes doing particular jobs that are less in terms of salary than than the jobs that men do? is there an issue there about more women working part time ? is more women working part time? is it a w

he's been helpful because he's experianed. this john: lindsay, how many more lamar johnsons are there in prison waiting for someone like you to come along? lindsay: too many. conservative estimates are 2% to 5%. when you think about two million people in custody, i'm not good at math but that's a breathtaking number. john: as we talked about how many years were taken away from lamar, under missouri law he gets -- gets nothing. gets no restitution. or compensation. does the state owe him something? lindsay: i believe the state owes him more than they could ever repay him. he's lost more, you know, the time that he can never get back. but missouri does have a compensation package but it is so narrow that very, very few people qualify for it. john: can you try to get compensation? lindsay: there's pending legislation in the legislature right now that would expand the eligibility under missouri's compensation package to include folks like lamar johnson, and rickey kidd and so many others. it has stalled in legislatures prior. i'm

look at the latest data from experian showing how much of the difference is between an ev loan and an022, no surprise evs top 50,000. you see the monthly payment, $869 that's compared to an internal combustion engine vehicle, new vehicle loan, the average is $651 last year when we talk with experian, we said, are people stretching these out further, they said, yeah, there is some of that, but a lot of the buyers, they have the credit to pay off these loans even earlier than most internal combustion engine loans. >> you got very prime consumers who are buying these vehicles, and you're very prime consumers do tend to take out slightly shorter loan terms but, yes, we do see loan terms that are 84, you know, 85 and 97 months, but we're also looking at a vehicle that has a lot of longevity. so, and good warranties, so a lot of times you'll see a sense of comfort with taking out these very long-term loans >> what is driving the higher priced and in some cases longer term loans for evs tesla is the king of the hill. they sell two out of every three vehicles in this country there you see for

new research by experian has found around 30% of the 1.2 million small businesses it analysed will beightened risk of collapse in the spring. labour is promising to recruit an extra 30,000 community police officers to tackle anti—social behaviour and violent crime. if they win the next election. the shadow home secretary, yvette cooper is currently announcing the neighbourhood policing guarantee, which will assign officers and pc cso's to every community in a bid to increase police visibility . but the home police visibility. but the home office claim their proposed investment is only a 10th of what the government is currently delivering . mps and campaign delivering. mps and campaign groups have criticised lancashire police for its handung lancashire police for its handling of the case of missing mother of two, nicola bailey . mother of two, nicola bailey. yesterday detectives revealed ms. bailey was vulnerable, classed as high risk, undisclosed issues with alcohol unked undisclosed issues with alcohol linked to struggles with the menopause . the 45 year old menopause. the 45 year ol

earlier this year, experian and equifax announced they will no longer includes some forms of medical debt on consumer quarter reports. according to a recent report. your office released, it sounds like the changes announced by the industry will not be as meaningful, make meaningful a difference as we had expected going in. the report said, quote, in terms of -- a large report will likely still remain. my question is, you report clearly indicates the changes on how medical debt is recorded. how do we make sure that medical debt -- >> medical debt is one of the top items now in terms of collections on consumer credit reports. it's a major challenge when it comes to accuracy. oftentimes, providers and insurance companies are going round and round. in many cases, consumers are being asked to pay something they already paid or never owed in the first place. we need to make sure that credit reports are not a tool to coerce someone into paying something they don't own. accuracy issues and credit reporting are very acute in medical that. we are going to continue to look at ways to make sure

new research by experian has found around 30% of the 1.2 million small businesses analysed will be atk of collapse come the spring. mps and campaign groups have criticised police for its handling of the case of missing mother of two, nicola bailey . yesterday detectives bailey. yesterday detectives revealed ms. bailey was vulnerable, classed as high risk and disclosed issues with alcohol linked to her struggles with the menopause. the 45 year old disappeared almost three weeks ago. mp alicia kearns says she's deeply uncomfortable with this level of personal detail . this level of personal detail. but underwater rescue expert folding. he's been involved in the search says the police aren't to . it was so sorry for aren't to. it was so sorry for them that it's been released . them that it's been released. this wife should never have come out . they could have just told out. they could have just told us on the quiet press. wouldn't have known. no, we would just been changed. everything i still so i said , i really need to so like i said, i really need to get in beaten up here. this is te

new research by credit group experian has found around . 30% of the 1.2 found around. 30% of the 1.2eightened of collapse . that's all for me of collapse. that's all for me back in half an hour. see . back in half an hour. see. the what is going on in the case of nicola birley and frankly have the police completely bungled this investigate you're now in the process potentially both her her family and the public under the bus strong views and he decided that discussion of the of missing nicola but they have asked public to put a stop to that speculation and instead focus on finding a lancashire police that was come under fire for that search and then for making the information that nicola has had issues with alcohol , the menopause public . alcohol, the menopause public. let me bring you the statement first that her family released. this was a couple of hours. so the family have said it's now been three weeks since nikki went missing. a family went missing. we as a family believe that public focus believe that the public focus has distracted from nikki has become distracted from nikki