I'm Ellen Falbo, Chief Credit Officer at Possible Finance. I've spent over 20 years in financial services, including 12 years at Capital One, and I'll tell you what's actually on your credit report, why your side hustle might be losing money, and how Buy Now Pay Later upcharges you. AMA.

Hi Reddit, I'm Ellen Falbo. I spent over a decade at Capital One across auto finance, credit risk, and marketing & analytics. After that I spent nearly 10 years at Concora Credit. Today I'm Chief Credit Officer at Possible Finance..

The average consumer is given a lot of bad advice about credit, side hustles, and Buy Now Pay Later, and I’m here to give you my true thoughts.

Ask me anything about:

  • How credit scores actually work, and why most people are obsessing about the wrong things
  • Why everything is adding a BNPL option
  • Why so many side hustles lose people money, and how to plan for one that doesn’t

Please note, this does not constitute as personal financial or investment advice! This AMA is for general educational purposes only.

Proof: https://imgur.com/a/bNkg7ue I'll be answering live from 8:45 AM - 10 AM PT / 11:45 AM - 1 PM ET.

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