About Rod Griffin

Website: http://experian.com

Profile: Rod Griffin is Director of Public Education for Experian. He is responsible for Experian’s national consumer education programs and supports the company’s community involvement and corporate responsibility efforts. He speaks regularly at regional and national financial literacy events and supports various national consumer education initiatives including the LifeSmarts Consumer Knowledge Competition, for which he serves on the Corporate Advisory Board, and the Jumpstart Coalition for Financial Literacy. Rod also serves on the Creative Educator Advisory Board for FinLitTV.com For more than 15 years he has written Ask Experian, an online consumer credit advice column, with Maxine Sweet, Vice President of Public Education. Rod holds a B.S. in journalism from the University of Kansas, has a Fair Credit Reporting Act certification from the Consumer Data Industry Association and is a Center for Financial Certifications Certified Financial Counselor.

Posts by Rod Griffin

5 Credit “Don’ts” For Millennials

Posted on Jul 29 2015 by


Millennials, also known as Generation Y (ages 19-34) are now the largest segment of the U.S. population, and according to a recent Experian analysis, also take the title for being the least credit savvy when compared to previous generations. The study revealed that millennials’ average credit score is 625, and their average debt excluding mortgages is $26,485.


From Subpar to Stellar: 5 Ways to Credit Success

Posted on Apr 08 2015 by

A recent report by the Consumer Financial Protection Bureau (CFPB) found that many people are confused and frustrated about how to check credit reports and scores and they feel they lack information to take action to improve their credit histories. I have to admit that I was not surprised by some of the survey’s results, and I suspect my colleagues in financial literacy weren’t either. We devote our careers to educating consumers, financial educators and businesses about how to empower people to understand credit and the role it plays in their everyday lives. But it’s a steep uphill climb.

As a new federal agency, the Consumer Financial Protection Bureau is a relative newcomer to the financial literacy arena, but many of the people working in its education division have years of knowledge and experience in the field. I’ve met and worked with a number of them, and I have great respect for the focus they are bringing to such an important issue.

Many others — in the public sector like the Federal Trade Commission, and non-profits like the Mission Asset Fund and the Consumer Federation of America’s America Saves, and companies like Experian — invest in, conduct and work together on programs with the sole focus of helping people become more financially capable.


CBA Symposium: Experian discusses credit building for unbanked consumers

Posted on Jul 18 2014 by

As many as 54 million Americans cannot access traditional, low cost credit because they have insufficient or no credit history. That fact often forces them to turn to high-cost financial resources, or worse, become trapped in a cycle of predatory lending.

Credit Builders Alliance, an organization committed to helping non-traditional financial and asset building organizations serve low and moderate income individuals, recently was host to an invitation-only credit building symposium that brought together representatives from non-profit, for-profit and public sector organizations to begin a dialogue about how we can all work together to address this pressing issue.


Protecting Your Credit history After a Large Data Breach

Posted on Dec 20 2013 by

News of the Target stores security breach has caused many people to ask what they can do to protect themselves from misuse of their stolen identification information.

The system of fraud alerts that has been in place for decades in the credit reporting systems was designed specifically to help people who are identity theft victims, or have reason to believe they may be, to stop credit fraud resulting from that identity theft.

In the Target incident and similar data breaches, neither a temporary security alert nor a fraud victim statement on your credit report will stop the thief from using your credit card account.

But the alerts may help protect affected consumers from new credit fraud if the identity thief attempts to open new credit accounts using their stolen information.

These services are available at no charge to anyone who is a victim of identity theft, or who has reason to believe they may be a victim:


5 Reasons to Check Your Credit Report

Posted on Dec 14 2012 by

When I speak to people about credit reports and credit scores one of the things I always do is ask the audience members to raise their hands if they’ve requested their free annual credit report.

Sadly, on a good night only about half the people in the audience raise their hands. A new report from the Consumer Financial Protection Bureau (CFPB) confirmed my simple surveys. Far too few people request their reports each year.


How to Dispute Credit Report Information

Posted on Jul 25 2012 by

As 2014 nears an end it’s a good time for us all to start thinking about what we are going to do to keep our finances in good shape and moving along into 2015.

At Experian, we are here to help you. During the coming weeks and months we will be providing more educational blogs, videos and Twitter #creditchats that will help you proactively manage, build and improve your credit.

So let’s get started with one of the most common questions people ask me:

How do I dispute information that I believe is being reported inaccurately?


Economy Up. Economy Down. Which Way Do We Go?

Posted on Apr 24 2012 by

I opened a few of my daily newspapers this morning (yes, the print kind!), and pondered some seemingly conflicting messages. In the Wall Street Journal, I saw the headline “Economic Reports Fan Fears.” In the New York Times, the top business story read “In a Shift, Debt Levels are Falling,” noting that American consumers are reducing their debt.