About Michael Delgado

Website: http://www.mikedelgado.org

Profile: I'm the Social Media Community Manager for Experian and manage our Facebook, Twitter, Pinterest, Google+, and other social channels in North America. I'm also a writer and editor for this Experian blog. Thank you for reading. :)

Posts by Michael Delgado

Inside Experian – Behind the Scenes [Video]

Posted on Nov 28 2014 by

The “Inside Experian” documentary was produced and directed by Martin Small.  In this “behind the scenes” interview, Martin talks about his approach to creating this documentary.

Martin Small is a documentary film-maker, whose work has been shown for many years at prime time on the main television channels in the UK. He specializes in business, politics and modern history, and has won a number of prestigious awards for his broadcast programs. He is married with 3 children and lives in London.


Average Debt in Largest Metropolitan Areas [Infographic]

Posted on Nov 27 2013 by

A glimpse at average debt in the largest metropolitan areas …


View interactive map: Experian’s Fourth Annual State of Credit Report


Credit Scores in Largest Metropolitan Areas [Infographic]

Posted on Nov 27 2013 by

A glimpse at credit scores in the largest metropolitan areas …

View our interactive map: Experian’s Fourth Annual State of Credit Reportf Credit, 2013


Money-Saving Holiday Shopping Tips from Favorite Personal Finance Writers

Posted on Nov 26 2013 by

Do you want to buy gifts for friends and family this holiday season?

Check out these great holiday shopping tips from some of our favorite personal finance writers:

1. Think experience over tangible items

Stay sane. I’m not kidding. It’s so easy to lose control and get wrapped up in the feeling of needing everything. Back up and question each purchase. Especially gifts. By March, very few people even remember what they got in December – so is it worth overspending for? Think experience over tangible items. If you’re going to drop some cash, do a party or a trip. That’s what people recall and often value.

Right now I’m big into Groupon. I love the goods and getaways Amazing deals!

Erica Sandberg is one of the nation’s foremost personal finance authorities. She is editor at large for the Bankrate Inc.‘s subsidiary Credit Card Guide and a columnist and reporter for CreditCards.com


State of Credit 2013

Posted on Nov 20 2013 by

The Fourth Annual State of Credit report is Experian’s comprehensive look at nationwide data to determine how four different generations are managing their debts by analyzing their credit scores, the number of credit cards they have, how much they are spending on those cards and the occurrence of late payments. Additionally, credit scores were examined in Metropolitan Statistical Areas (MSAs) to provide the 10 highest and 10 lowest credit scores in each generation across the nation. The study creates an opportunity for consumers to better understand how credit works so they can make informed financial decisions and live credit smart even in the face of national economic challenges.

Check out the full infographic.


ReadyForZero Adds VantageScore 3.0 to Its Industry-Leading Personal Finance Tool

Posted on Oct 17 2013 by

This guest post is from Rod Ebrahimi, CEO of ReadyForZero

At ReadyForZero, our focus has always been on helping people pay off debt and take control of their finances so they can begin building wealth. It’s a mission that has inspired us since our very first user.

We started out very small, when I helped my girlfriend make a spreadsheet to organize her student loans. After that, my co-founder Ignacio Thayer and I realized that many of our friends and loved ones had debt. We decided it was our challenge to create a tool that would help them. Focusing on this mission has helped us create the best debt management tool in the industry. Our users are regular people all across the U.S. who are tired of being burdened by their debt and ready to become debt free.


How to Get Out of Debt in 5 Steps

Posted on Aug 09 2013 by

This guest post is from Benjamin Feldman (@BWFeldman), writer and content strategist at ReadyForZero.com, a company helping people get out of debt.

Is personal debt an impossible problem to fix? No way! Thousands – actually, millions – of people across the U.S. are struggling with personal debt right now, but the situation is not hopeless for any of them.

I know, because just last year I was one of them. In January of last year, I had over $3,000 in credit card debt and a vowed to get it paid off before the year was over. I’m grateful that I was able to accomplish my goal and along the way I learned a few things that can help others who are still on their way to being debt free. If that includes you, keep reading to learn the 5 steps that will help you get out of debt:


5 Tips to Avoid a Financial “Burn” On Your Summer Getaway [Infographic]

Posted on Jun 19 2013 by

Summer officially arrives on June 21. The busiest travel season of the year is on the horizon, and freecreditscore.com™ wants to help travelers mitigate post-vacation credit debt that can impact their credit long after a vacation ends.

Here are five tips to avoid the pitfalls of a post-vacation credit sunburn:


The Great Credit Divide: Men vs. Women [Infographic]

Posted on May 22 2013 by

When it comes to credit, who is winning the battle between men and women? The latest credit trends study, released today from global information services company Experian, compares the financial differences between men and women, revealing that, overall, women are better at managing their money and debt.


Give Yourself Some Credit [Infographic]

Posted on Apr 25 2013 by

In the spirit of National Financial Literacy Month, freecreditscore.com created this infographic to share some simple credit tips:


Liz Weston: On Saving for Retirement, Debt and Managing Credit

Posted on Mar 21 2013 by

We had a wonderful opportunity to talk with Liz Weston (@lizweston) about saving for retirement, debt, managing credit, and much more.

Check out the full-interview:

I know you went to the FinCon blogger conference last year, how was that?

Liz Weston: Yeah, that was really a great event. There were a lot of opportunities for socializing and networking. It was pretty cool. I met Phil Taylor, who is the organizer, several years earlier. He was a participant in a savings contest that I co-hosted with FNBO bank, and really liked him. I thought it was going to be a small event, and it wasn’t at all. They had some great speakers and great information. It was really fun.

It sounds like a great event.

Liz Weston: Yeah, and it’s really a chance for a lot of these bloggers who aren’t professional journalists to brush up on their skills and meet some of the companies that they might work with. I found a lot of them were reluctant to call P.R. people and make contacts because they weren’t sure their calls were going to get returned. It’s nice for them to meet people at the various companies they can reach out to.


Budgeting Tips: How to Reduce Your Fixed Expenses

Posted on Dec 19 2012 by

At the beginning of this year, I had several thousand dollars in credit card debt and I was ready to pay it off. But I knew that I needed to cut down on my spending in order to have enough money left over to start paying down my credit card balance.

So I did some research and started finding ways to cut expenses. One of the things I realized is that your fixed expenses – the ones that seem to be locked in – like your auto insurance and rent, often have some flexibility after all.

Below are some tips I’ve found for reducing those fixed expenses:


24 Personal Finance Writers Share Their Favorite Money-Saving Apps

Posted on Oct 29 2012 by

Do you love saving money?

Do you ever use apps or online tools to help you cuts costs and stay on budget?

In our continuing quest to promote financial literacy and help consumers live credit smart, we asked some of our favorite personal finance writers to share a favorite app that helps them stay on budget and save money.

Check out these frugal-living apps:


22 Frugal Tips from Your Favorite Personal Finance Writers

Posted on Sep 18 2012 by

Do you love saving money?

And are you looking for even more ways to keep more money in the bank?

Experian knows the importance of this in every person’s financial health.

So, as part of our overall commitment to financial literacy and in conjunction with our just released annual State of Credit report, we contacted some of our favorite personal finance writers and asked them to share one of their favorite ways to save money.

Check out these frugal-living tips:


The Original Band is Back in a New Campaign for FreeCreditScore.com

Posted on Jun 18 2012 by

Theyyyy’re baaack! They once graced American televisions singing witty lyrics about their personal credit woes while waiting tables in pirate costumes, living out of the in-laws’ basement and getting snubbed by women because of their lackluster car. Now, after a two-year hiatus, The Original Band is back by popular demand.


How PowerCurve Decision Management Software Helps Businesses

Posted on May 15 2012 by

We recently announced the availability of PowerCurve, the new decision management software portfolio, which helps organisations manage and grow their portfolios by improving the way they use information to make customer decisions.

PowerCurve builds on more than 30 years of experience that Experian has providing organizations across the globe with expert decisioning tools. It is equipped with some of the most advanced decision analytics capabilities in the market today.


Experian News from Vision 2012 – Wednesday Morning Show

Posted on May 09 2012 by

On the final day of Vision 2012, we talk with Michele Raneri, vice president, analytics, to analyze one of the industry’s most pressing issues: financial stress of the American consumer. We also get some key takeaways from Vision 2012 from Kerry Williams, Experian group president.


Experian News from Vision 2012 – Tuesday Evening Show

Posted on May 08 2012 by

This Experian TV episode kicks off with a review of some of the key priorities of the CFPB and looks at some of the programs it is planning to develop. We also sit down with Keir Breitenfeld, senior director, fraud and identity solutions, to discuss fraud detection, and we go one-on-one with Amy Hysell from Arizona Federal Credit Union to look at how a troubled portfolio can be turned around using Experian tools.


The Randomness of Credit Card Fraud and How to Prevent It

Posted on May 08 2012 by

We’ve all seen news clip of a tornado that twisted down a street, destroyed one house, missed the next two then demolished another block or two of people’s lives. Credit card fraud is equally indiscriminate.


Mortgage Lending Still Under the Microscope – Vision 2012

Posted on May 08 2012 by

As more Americans emerge from the economic depths of the recession, they’re reminded by one significant fact: not all consumers reduced their debt burdens during 2011. Super-prime VantageScore® consumers — those with scores of 901 to 990 — actually increased debt by $100 billion from Q4 of 2010, notably in new mortgage, bankcard and auto debt.


Experian Vision 2012 – Tuesday Morning Show

Posted on May 08 2012 by

To gear up for the second full day of Vision 2012, we chat with Kerry Williams, Experian group president, to discuss how clients can achieve growth using three key strategies. Check out the video to see his recommendations.


Experian News from Vision – May 7, 2012

Posted on May 08 2012 by

The first day of Vision 2012 covered numerous topics and offered attendees many new industry insights. In this episode of Experian TV, we catch up with Steve Wagner, president, consumer information services, to discuss universe expansion and strategies to find new consumers, and Tony Hadley, senior vice president, government affairs, to review consumer financial literacy and the CFPB. We also sit down with Andy Sheehan, senior vice president of marketing, to discuss this year’s Vision theme: growth.


The Lifespan of a Fraudster – Vision 2012

Posted on May 07 2012 by

The lifespan of a fraudster is short, but prolific. It typically takes about seven days to wreak millions of dollars of damage across a wide network of unsuspecting customers. The fraudsters begin by sending tens of thousands of emails to unsuspecting folks—your customers. They politely ask them to log-in to their bank account to confirm their password.


Consumer Credit Trends: The Ups, The Downs – Vision 2012

Posted on May 07 2012 by

Unemployment remains high nationally, though consumer spending is steadily increasing.
Housing remains a stumbling block for the economy, while loan delinquencies show signs of improvement for most lines of business. What does this all mean?


The State of the Mortgage Industry – Vision 2012

Posted on May 07 2012 by

Mortgage industry trends have already been a huge topic of discussion at Vision 2012. Although we’re seeing signs of recovery in the auto and bankcard lending sectors, when it comes to mortgage we’re clearly not out of the woods yet.