#ExperianStories: Simone Barbosa de Lima

00;00;00;00 – 00;00;03;14 (upbeat music) 00;00;04;10 – 00;00;07;08 I was in college when I got my first job 00;00;07;08 – 00;00;09;22 as a customer service operator 00;00;09;22 – 00;00;12;11 at a credit card company in Brazil. 00;00;12;11 – 00;00;15;02 This was in 1995, 00;00;15;02 – 00;00;20;02 and the credit card interest rate was about 450% 00;00;20;19 – 00;00;22;16 per year at that time. 00;00;22;16 – 00;00;23;29 Believe me, this is true. 00;00;23;29 – 00;00;26;21 And that was my first experience with credit, 00;00;26;27 – 00;00;31;06 Learning through other consumers what not to do. 00;00;31;06 – 00;00;33;20 I come from a humble family. 00;00;33;20 – 00;00;35;23 My father, who was a military, 00;00;35;23 – 00;00;38;08 had like three jobs 00;00;38;08 – 00;00;40;12 to ensure that my siblings and I 00;00;40;12 – 00;00;42;22 could have like a good education in Brazil. 00;00;42;22 – 00;00;46;28 So, I grew up learning the importance of saving money 00;00;47;03 – 00;00;50;09 for the tough days, even if it was just a little bit. 00;00;50;17 – 00;00;53;08 And that was a very important thing for us to do. 00;00;53;13 – 00;00;54;25 Prior to Experian, 00;00;54;25 – 00;00;59;03 I had different jobs in the financial industry in Brazil. 00;00;59;03 – 00;01;02;18 All of those related to credit risk management, 00;01;02;18 – 00;01;04;24 and working in those areas, 00;01;04;24 – 00;01;06;00 helped me a lot 00;01;06;00 – 00;01;08;16 to learn how to manage my financials, 00;01;08;16 – 00;01;12;13 but also gave me the ability to support my family, 00;01;12;13 – 00;01;15;23 my friends, and some co-workers sometimes 00;01;15;23 – 00;01;18;28 when they were going through a financial problem. 00;01;18;28 – 00;01;22;01 My credit score was excellent in Brazil. 00;01;22;18 – 00;01;24;28 When I moved to Boston four years ago, 00;01;25;03 – 00;01;26;29 the story was totally different. 00;01;27;10 – 00;01;30;01 I had no credit history here. 00;01;30;11 – 00;01;32;24 I had to pay for everything in cash 00;01;33;02 – 00;01;35;10 and build that history slowly. 00;01;35;10 – 00;01;37;09 I felt invisible, 00;01;37;09 – 00;01;40;04 and I can tell you this is not a nice feeling. 00;01;41;01 – 00;01;44;22 And then I was introduced to Experian Boost 00;01;44;22 – 00;01;46;16 during the beta phase, 00;01;46;16 – 00;01;49;11 and I said, “Hey, this is it.” 00;01;49;11 – 00;01;52;20 And I boost my score. 00;01;52;20 – 00;01;54;07 My score went up. 00;01;54;07 – 00;01;57;15 And since then I became a huge fan of the product. 00;01;57;15 – 00;01;59;04 From my perspective, 00;01;59;04 – 00;02;02;06 Experian plays a key role in people’s lives, 00;02;02;06 – 00;02;04;14 but not everyone is aware of it. 00;02;04;14 – 00;02;07;20 I remember when I joined the company 14 years ago, 00;02;08;02 – 00;02;12;16 I managed portfolio management and collection in CIS. 00;02;13;03 – 00;02;16;04 And a lot of my friends were making jokes with me, 00;02;16;09 – 00;02;18;29 “Now you’re going to deliver the negative letters. 00;02;19;04 – 00;02;21;23 You work for a company that only works for banks 00;02;21;29 – 00;02;24;14 that doesn’t care about consumers, etc.” 00;02;25;01 – 00;02;26;10 But that wasn’t true! 00;02;26;22 – 00;02;30;24 And I saw in this an opportunity to educate not only my friends, 00;02;30;29 – 00;02;34;06 but also my customers and consumers. 00;02;34;22 – 00;02;37;24 At the time, we launched some internal campaigns, 00;02;37;29 – 00;02;41;12 partnered with some of our key customers, 00;02;41;22 – 00;02;44;09 and the results were super positive 00;02;44;14 – 00;02;48;28 and created spontaneous free media for the company, which was great. 00;02;48;28 – 00;02;52;04 When I see all of the amazing things that 00;02;53;02 – 00;02;56;04 all of the business units are doing across the globe, 00;02;56;04 – 00;02;58;14 I couldn’t be more proud of. 00;02;58;14 – 00;03;00;13 It’s great when I see people say, 00;03;00;13 – 00;03;02;04 “Hey, my score went up.” 00;03;02;04 – 00;03;03;25 Or “This happened to me.” 00;03;03;25 – 00;03;07;13 Or “I was able like to buy a house.” 00;03;07;13 – 00;03;11;08 And we are part of every single decision. 00;03;11;08 – 00;03;13;04 This is amazing. 00;03;13;04 – 00;03;14;27 So this is data for good. 00;03;14;27 – 00;03;16;15 And I love Experian, 00;03;16;15 – 00;03;18;21 I love being part of this family, 00;03;18;21 – 00;03;23;21 and I think our mission is so inspiring and powerful. 00;03;24;19 – 00;03;26;11 I can’t wait to see 00;03;26;11 – 00;03;28;21 all of the amazing things that we will do together. 00;03;28;21 – 00;03;32;05 (upbeat music)

00;00;04;10 – 00;00;07;08 Eu fazia faculdade quando consegui meu primeiro emprego como operadora 00;00;07;08 – 00;00;12;11 de atendimento em uma empresa de cartão de crédito no Brasil. 00;00;12;11 – 00;00;17;13 Isso foi em 1995, quando a taxa de juros de cartões 00;00;17;13 – 00;00;22;16 era aproximadamente 450% ao ano. 00;00;22;16 – 00;00;23;29 Pode acreditar. Era isso mesmo. 00;00;23;29 – 00;00;27;06 Essa foi minha primeira experiência com crédito, 00;00;27;13 – 00;00;31;06 aprender com outros consumidores o que não fazer. 00;00;31;06 – 00;00;32;26 Venho de uma família humilde. 00;00;32;26 – 00;00;36;17 Meu pai era militar e tinha três empregos 00;00;37;13 – 00;00;40;00 para garantir que eu e meus irmãos pudéssemos 00;00;40;04 – 00;00;41;28 ter uma boa educação no Brasil. 00;00;42;22 – 00;00;46;28 Então, eu cresci aprendendo a importância de guardar dinheiro 00;00;47;00 – 00;00;50;06 para os dias difíceis, mesmo que fosse só um pouquinho. 00;00;50;14 – 00;00;53;04 E isso era uma coisa muito importante para a gente fazer. 00;00;53;08 – 00;00;54;13 Antes da Experian, 00;00;54;18 – 00;00;58;16 eu tive diferentes empregos no setor financeiro no Brasil, 00;00;58;16 – 00;01;01;24 todos relacionados com a gestão de risco de crédito. 00;01;02;03 – 00;01;04;07 Trabalhar nessas áreas 00;01;04;11 – 00;01;07;19 me ajudou muito a aprender a administrar minhas finanças, 00;01;08;00 – 00;01;12;22 mas também a poder ajudar minha família, meus amigos 00;01;12;27 – 00;01;16;20 e às vezes, alguns colegas de trabalho 00;01;16;24 – 00;01;18;02 com problemas financeiros. 00;01;18;28 – 00;01;22;01 Meu escore de crédito era excelente no Brasil. 00;01;22;15 – 00;01;24;25 Quando mudei para Boston, há quatro anos, 00;01;25;00 – 00;01;26;26 a história foi totalmente diferente. 00;01;27;07 – 00;01;29;28 Eu não tinha nenhum histórico de crédito aqui. 00;01;30;08 – 00;01;32;21 Eu tinha que pagar tudo à vista 00;01;32;29 – 00;01;35;10 e construir esse histórico devagar. 00;01;35;10 – 00;01;37;09 Eu me sentia invisível 00;01;37;09 – 00;01;40;04 e posso dizer que não é uma sensação agradável. 00;01;41;01 – 00;01;46;16 Quando fui apresentada ao Experian Boost durante a fase beta, 00;01;46;16 – 00;01;49;11 eu disse: “É isso!”. 00;01;49;11 – 00;01;52;20 E eu boosted my score. 00;01;52;20 – 00;01;54;07 E meu escore aumentou. 00;01;54;07 – 00;01;57;05 Desde então, eu virei uma grande fã do produto. 00;01;57;05 – 00;02;01;16 Eu acho que a Experian tem um papel fundamental 00;02;01;16 – 00;02;04;12 na vida das pessoas, mas nem todo mundo sabe disso. 00;02;04;12 – 00;02;07;18 Eu lembro que quando entrei na empresa há 14 anos, 00;02;08;00 – 00;02;12;14 eu gerenciava portfolio management e cobrança em CIS. 00;02;13;01 – 00;02;16;02 E muitos dos meus amigos faziam piadas comigo: 00;02;16;07 – 00;02;18;27 “Agora você vai entregar as cartas de negativação. 00;02;19;02 – 00;02;21;21 Você trabalha para uma empresa que só trabalha para os bancos 00;02;21;27 – 00;02;24;12 que não liga para os consumidores etc.” 00;02;24;29 – 00;02;26;08 Mas isso não era verdade! 00;02;26;20 – 00;02;30;22 E vi nisso uma oportunidade para educar não só os meus amigos, 00;02;30;27 – 00;02;34;04 mas também os meus clientes e os consumidores. 00;02;34;20 – 00;02;37;22 Na época, nós lançamos algumas campanhas internas, 00;02;37;27 – 00;02;41;10 fechamos parcerias com alguns dos nossos principais clientes, 00;02;41;20 – 00;02;44;07 e os resultados foram superpositivos 00;02;44;12 – 00;02;48;28 e geraram mídia gratuita espontânea para a empresa, o que foi ótimo. 00;02;48;28 – 00;02;52;04 Quando vejo as coisas incríveis que a gente faz todo dia, 00;02;53;02 – 00;02;54;08 E ver todas as coisas maravilhosas 00;02;54;08 – 00;02;56;04 que as unidades de negócios estão fazendo no mundo todo 00;02;56;04 – 00;02;58;14 me deixa muito orgulhosa. 00;02;58;14 – 00;03;00;13 É ótimo quando vejo pessoas dizendo: 00;03;00;13 – 00;03;02;04 “Minha pontuação subiu”, 00;03;02;04 – 00;03;03;25 “Isso aconteceu comigo” 00;03;03;25 – 00;03;06;27 ou “Eu pude comprar uma casa”. 00;03;06;27 – 00;03;11;08 E fazemos parte de toda e cada decisão. 00;03;11;08 – 00;03;13;04 Isso é incrível. 00;03;13;04 – 00;03;14;28 São os dados usados para o bem. 00;03;14;28 – 00;03;16;15 Eu adoro a Experian. 00;03;16;15 – 00;03;18;02 Adoro fazer parte desta família 00;03;18;02 – 00;03;23;21 e acho nossa missão muito inspiradora e poderosa. 00;03;24;19 – 00;03;27;20 Mal posso esperar para ver todas as coisas incríveis 00;03;27;20 – 00;03;28;21 que vamos fazer juntos.