Credit Scores & the Real Cost of Misinformation, with Christina Roman & Latreace Wells

In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales and Marketing at Tyfone, welcomed Christina Roman, Consumer Education and Advocacy Manager at Experian, and Latreace Wells, Assistant Vice President of Career Planning and Development at Fisk University. The episode centered around how financial education shapes opportunity and why understanding credit early can change lives.

Christina and Latreace discussed the challenges people face when learning about credit and personal finance. They shared how misinformation on social media makes it hard for young adults and students to separate fact from fiction. Both guests explained how practical education—like credit monitoring and honest conversations about money—can help people avoid common pitfalls. Christina highlighted the need for trustworthy resources and explained why credit monitoring should be part of everyone’s routine. Latreace described how her programs at Fisk University help students build good habits before they enter the workforce, stressing that it’s never too late to start fresh.

The conversation also touched on the complexity of today’s financial landscape. Subscription services, buy now pay later options, and digital wallets add layers to money management that didn’t exist a decade ago. Christina and Latreace encouraged listeners to focus on small, positive steps—like tracking spending and prioritizing trusted advice—to build a stronger financial future.