Experian's tech chief defends credit scores: 'We're not Palantir'

Experian's tech chief defends credit scores: 'We're not Palantir'

Author: The Verge January 26, 2026 Duration: 1:09:52
Experian is one of those giant multinationals convoluted enough to have multiple CEOs all over the world, so first I asked Alex Lintner, Experian's CEO of technology and software solutions, to dig into the classic Decoder questions and explain how all of that even works. He oversees big operations like security and privacy, and now, of course, AI. If you want to participate in the modern economy — rent an apartment, buy a car, get a job, etc  — you’re part of Experian’s ecosystem, whether you like it or not. At its heart, Experian’s core service is data about people and the choices they make. And this extremely valuable data weirdly makes Experian a part of your life  — a life that becomes much smoother if the data the company collects about you tells a good story.  Read the full interview transcript on The Verge. Links:  Roughly half of Americans are knowledgeable about personal finance | Pew Research How Americans view data privacy | Pew Research Consumer voices on credit reports and scores | CFPB Mercedes-Benz CEO Ola Källenius on Decoder | The Verge The Palantir app ICE uses to find neighborhoods to raid | 404 Media T-Mobile customers exposed in major Experian breach (2015) | The Verge All the news about the Equifax breach | The Verge Subscribe to The Verge to access the ad-free version of Decoder! Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Decoder is produced by Kate Cox and Nick Statt and edited by Ursa Wright. Our editorial director is Kevin McShane.  The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

At the intersection of power, innovation, and consequence, you'll find Decoder with Nilay Patel. Hosted by The Verge's editor-in-chief, this isn't a typical business or technology podcast that simply recites the news. Instead, Nilay engages with founders, CEOs, legislators, and artists in substantive conversations that dissect the mechanics behind major decisions. The dialogue focuses on the real-world implications of big ideas, probing how today's choices in boardrooms and legislatures ripple out into society tomorrow. You'll hear guests articulate their toughest challenges, the trade-offs they've made, and the often-unseen forces shaping industries from social media and artificial intelligence to transportation and entertainment. Each episode is built on a foundation of genuine curiosity, aiming to unpack not just what is happening, but why it matters for the way we all live and work. Listening to this podcast feels like gaining access to a nuanced, behind-the-scenes briefing where strategy and philosophy collide. It's for anyone who suspects that the most important stories aren't the announcements themselves, but the human decisions, the unforeseen problems, and the ethical calculations that happen long before the headlines are written. Through these detailed conversations, Decoder provides a crucial lens on the architects of our modern world and the complex systems they are building, for better or worse.
Author: Language: English Episodes: 100

Decoder with Nilay Patel
Podcast Episodes
Monopoly isn’t a game (with Lina Khan) [not-audio_url] [/not-audio_url]

Duration: 1:00:36
Hey everyone, it’s Nilay. Decoder is on a short summer break right now, but we’ll be back starting June 23 with new episodes, and we’re very excited for what we have on the schedule. In the meantime, we have an episode f…
Why Runway CEO Cris Valenzuela thinks AI filmmaking is the future [not-audio_url] [/not-audio_url]

Duration: 52:54
Today, I’m talking with Runway CEO and co-founder Cris Valenzuela. This one’s special: Cris and I were live at an event in New York City last month hosted by Alix Partners, so you’ll hear the audience from time to time.…
Airbnb CEO Brian Chesky wants to build the everything app [not-audio_url] [/not-audio_url]

Duration: 1:13:31
Today, I’m talking with Airbnb CEO Brian Chesky. This is Brian’s fourth time on the show, and he’s one of my favorite guests because he’s so clearly obsessed with things like company structure, design, and decision makin…
How private equity kills companies and communities [not-audio_url] [/not-audio_url]

Duration: 49:21
Today, I’m talking with journalist Megan Greenwell about her new book Bad Company: Private Equity and the Death of the American Dream. It comes out June 10th. It's fantastic and maddening in equal measure. I highly recom…
Google CEO Sundar Pichai on the next phase of AI [not-audio_url] [/not-audio_url]

Duration: 46:24
In what's become a bit of a Decoder tradition, I spoke with Google CEO Sundar Pichai in person after I/O. The conference this year was all about AI, particularly a slew of actual AI products, not just models and capabili…
Why Uber's CEO is okay with reinventing the bus [not-audio_url] [/not-audio_url]

Duration: 1:03:28
Today, I’m talking with Uber CEO Dara Khosrowshahi. We recorded this conversation on the same day Uber announced a big set of product updates, including new options for shared rides. Dara was in New York for all that, so…
Microsoft CTO Kevin Scott on how AI can save the web, not destroy it [not-audio_url] [/not-audio_url]

Duration: 1:10:38
Today, I’m talking with Kevin Scott, the chief technology officer of Microsoft, and one of the company’s AI leaders. Kevin is one of my favorite repeat Decoder guests, and he joined the show this time to talk about the f…
Workday's new product head hopes he can make you like Workday [not-audio_url] [/not-audio_url]

Duration: 1:13:36
Today, I’m talking with Gerrit Kazmaier, the brand-new president of product and technology at Workday. Gerrit’s new on the job, maybe a little bit braver than most, and to his credit he came on the show and took the heat…

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