I'm so glad you're with us here on the Clark Howard Show where it's all about you and

that quality or is that what you to learn ideas to me so you can save more and spend

less and don't let anyone ever rip you off.

Coming up later, we're going to have Clark Stinks for you.

It's our first Clark Stinks of 2019.

A lot of people are like, where's Clark Stinks been the last couple of weeks?

Well, we had other things going on like CES.

So you can do a Clark Stinks about whether there was no Clark Stinks if you want.

So I want to talk to you about something that is a change happening in the marketplace.

And this is in early innings.

It involves how people determine whether or not you are worthy of doing business with.

Now, I think about it.

I didn't say credit worthy.

I said worthy of doing business with because lenders, banks, people in the financial industry,

people in the cell phone industry, you name it.

You're trying to figure out how to decide if you're OK.

If you're going to honor your commitments, if you're going to pay your bills and all

the rest, credit reports are not considered to be the gold standard anymore.

They're considered to be a standard.

And part of that is because last decade during the banking scandals that led to the deep

great recession, all the housing foreclosures and all that, credit reports and scores turned

out not to be the best indicator of who was going to do OK through that time and who

...