July 14, 2025 • 14 mins
Facts And Consequences of Using Buy Now Pay Later Loans And How To Protect Your Credit Score
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Welcome to Starcares, a weekly program that delves into the
issues that impact you and your family. This program is
the public affairs feature of this radio station. Now here's
your host, Michael Leach.
Speaker 2 (00:14):
Now, even the smallest purchase can affect your credit score.
So much going on where credit and credit scores are concerned.
Let's talk about it. My guest today is credit repair
specialist Paul Auster. Paul, thank you for joining me today
and welcome to the show.
Speaker 3 (00:27):
Thanks for having me back on. There are a few.
Speaker 2 (00:29):
Things we need to be aware of that are coming
down the pike. One is that FICO, the company that
assigns credit scores, is saying that they're going to incorporate
by now paid later purchases into the scoring formula. What
is fikov.
Speaker 3 (00:42):
FIKO is an acronym for the fair ISAAC Company, and
that's the company that actually generates the most widely used
credit score in underwriting. Believe it or not, that score
model is used in about ninety five percent of all
underwriting in the world, by the way, so Jin company.
But there are so many problems associated with not just
(01:04):
the FIGHTO score. Remember, the score is being generated off
of the data that it's receiving from the three major repositories,
the credit bureaus, TransUnion, Equifax, and Experience, and you know
the system is flawed at best. Every once in a while,
Fyco updates the score model. This newest model is the
(01:25):
ten T suite, so it's FIGHTO, ten and ten T
and in that score model, it is going to now
include these buy now pay leader accounts. I've actually changed
the name to buy now Pay Never because evidence now
is telling us that there are major, major cracks in
(01:47):
this model of buy now pay later. One of the
biggest players, Karna, came out and said that their losses
are up seventeen percent from the previous year. And you're
talking about one hundred and thirty six million dollars that
the barrowers have failed to pay back. So the industry
is growing exponentially. It's now at about forty six billion
(02:11):
dollars have been used in these buy now pay later schemes.
Speaker 2 (02:14):
For those of us who really haven't paid attention and
haven't participated, take a few moments to tell us about
these buy now paid later purchases. What are people doing
with these?
Speaker 3 (02:23):
Yeah, so it sounds great, right, They are interest free
payment plans so on paper and the marketing geniuses have
made this look so attractive. It's super easy to get
approved most of the time. It's not even a hard
credit check, it's not a hard inquiry, so you're approved
in seconds interest free money. The problem is the people
(02:44):
that are using these plans. It's now very common for
people to use these plans when ordering food deliveries, door dish,
uber eats. It's crazy. People have to be very very
careful and say to themselves, why do I need to
take out a payment plan, even if it is interest free,
because most of the time their other credit cards are
(03:05):
maxed out. They just need another resource. But they're going
to get themselves even further and further in debt. So
this was actually a good thing that they're going to
start reporting these because when they're releasing all this data
on the consumer debt in the United States, we were
way off to the tune of forty six billion dollars
extra on top of the traditional credit card debt. So
(03:29):
people are on the slippery slope right now. Things are
getting tougher and tougher. Interest rates remain high. Interest rates
have remained high, and so has inflation. So the average
consumer is no longer treading water. They're starting to drown
a debt.
Speaker 2 (03:42):
So it's an interest free payment plan. It allows you
to make installments. What happens if you don't make the installments.
Speaker 3 (03:48):
As soon as you fail to make one paint, you're
going to get hit with all of the deferred interest.
You are going to get hit with a late fee.
Then the loan becomes due at that point. So that
is how people are really getting themselves in trouble. The
average person that's taking out one of these plans is
doing a little bit of mental mask. Will I be
able to pay this off in four months? I think? So?
(04:09):
That is simply not the way to go about this.
There needs to be a budget in place that's going
to tell you exactly whether or not you'll be able
to pay these off, because if you don't, again, that
free money, that interest free loan that you had just
became a pretty big nightmare.
Speaker 2 (04:25):
So are there any pros to this? Like? Could this
really help somebody who doesn't have credit, you know, kind
of established credit?
Speaker 3 (04:32):
I say, you know, maybe. Unfortunately, there are pros to
using these plans, especially for the underbanked and underserved community
that don't have access to a lot of traditional credit,
so it could be a good thing that they now
have open, active accounts reporting on their credit reports. One
of the problems when they start to report these accounts,
(04:54):
the credit buros aren't even sure how they're going to
report it. Is it an installment, contract, is an installment
or is it going to go towards the revolving credit
like a credit card. So Experience is actually thinking about
coming up with its a buy now, pay later bureau.
TransUnion is going to keep that information on a completely
separate part of the consumer's credit report, and Equifax is
(05:17):
kind of saying, well, we'll report it. However, the creditor
tells us to report it, and that simply can't be
the case. There has to be some uniformity here. And
can it help somebody who doesn't have a lot of
credit history. Absolutely, But again the problem is the marketing geniuses.
We know this to be true. They're actually targeting women,
(05:38):
blacks and Latinos and people that have lower credit scores
to begin with. To me, it's been a recipe and
a model for disaster since the very beginning. We've put
our hands up and say, wait a second, this is
not going to be a good thing. It's playing out
right now. You know. I heard the CEO of a
firm on the news the other day and they said, Hey,
this is going to be a great thing for people
(06:01):
that don't have access to traditional credit. That sounds great.
The problem is that it's actually going to wind up
hurting more people than it helps.
Speaker 2 (06:09):
Are there any guidelines that are going to sort of
force the credit bureaus to have some type of uniformity
in how they're tracking this information.
Speaker 3 (06:18):
We're hoping that that's part of the regulation. These plans
needed to be regulated. Up until now, they've been unregulated.
So we're hoping that through this regulation and legislation that
they come out and say, okay, these are very much
credit products, so they need to be treated as such.
So there'll be laws and standard operating procedures on how
(06:39):
it gets reported, what kind of damage it can do
to someone's credit. Hopefully all of that is included in
the package when they finally put this through. Again, you
have Fikos saying we're going to include the data in
our score model. The bureaus aren't really sure how they're
going to report it, so there's still work to be
done before we go over the finish line here.
Speaker 2 (06:59):
It seems like all of us sudden this became like
an epiphany. Why weren't these loans included in the credit
scores before? And what happened that they're now being included.
Speaker 3 (07:07):
There's just tremendous pressure from the Consumer Financial Protection Bureau,
from the FTC because they weren't regulated and included. Look,
this thing is growing exponentially every single day, right, so
again now people are using it door dash, uber eats,
so there's over a million applications a day now for
these plans. So the Consumer Financial Protection Bureau stepped in
(07:29):
and said, we have to regulate them, and there has
to be some type of uniformity for everything, how people apply,
what happens if they default, the interest rates. Who is
regulating all of these things. So it's actually a good
thing that they're going to be regulated. It's actually a
good thing that they're going to be part of the
credit history. Again, my feeling is unfortunately it's going to
(07:54):
do more damage than good though.
Speaker 2 (07:55):
So then you would tell people, as a veteran credit
repair person and credit management specialists, avoid them like the plague.
Speaker 3 (08:02):
Yeah, So, unless you are disciplined enough, you have the
money set aside, which if you had the money set aside,
you know, why do you need the payment plan in
the first place. I tell people, if you remember, you know,
this is similar to the old layaway plans where you
went to the store, you needed something and you put
(08:23):
it on layaway, but the store kept that merchandise right
and you made payments. I can remember my mom doing it.
She would go to seers every once in a while
and make a payment towards a big ticket purchase, but
you didn't get the merchandise. And if you didn't make
the payments, you just never took the merchandise and you
got your money back. Now you're actually getting the merchandise
(08:46):
up front before you actually complete all the payments. So
there is definitely a big, big risk for someone who's
not disciplined and does not have the ability to do
a budget, not just mental fuzzy math, actual household budget
that says I will be able to pay this off
in four payments, and that's without you know, a life
(09:07):
event happening. Right, everybody has the greatest intentions and maybe
you can you know on paper and mathematically you're going
to be able to make these payments. But no one says,
but what if? But what if? What if the car
breaks down in the next four months? What if I
need a new roof in the next four months. What
if there's a major storm that does damage all of
these types of things. You know, that's the risk of
(09:30):
taking out any loan. And again, the people that are
taking out these loans are already in trouble, there's no
doubt about it.
Speaker 2 (09:38):
So with all that's going on in our world right now,
say a few words to us about the B word
that you already use, budgeting, saving and using credit, not
just the buy now, pay later, because in a sense
credit is sort of that anyway, But talk to us
about that. What is your advisement to help protect ourselves?
And again, especially in these days and times.
Speaker 3 (09:57):
Yep, So unfortunately, one of the one of the good
hangovers from the pandemic and the COVID virus is that
you have to check your credit first and foremost. Right.
The best place to do that is Annualcreditreport dot com.
Annualcreditreport dot com. You can get a free credit report
(10:18):
every single week. You can update it and check it right.
So if people want to figure out how they're going
to fix their credit They have to know what the
problems are. So get a copy of your credit report.
See what's on there. Again, Unfortunately, we've been doing this
for twenty years. We will tell you that it's ninety
percent or higher. Reports have false, inaccurate, unverified, unvalidated information.
(10:43):
It's on the reports. It's that information that could be
causing the scores to be low. Right, So check those
credit reports. Check them on a regular basis. I don't
think you have to check them every week, but it's
not a bad idea to check them once a month
and then figure out the biggest One of the biggest
killers is credit card debt. So when you can't just
(11:03):
say I'm going to get out of credit card debt again,
you have to have a plan. Are you going to
pay an extra fifty dollars a month to get out
of credit card debt? If you're going to do that,
or even if you're not going to do it. We
are now advising all clients, and we've been saying this
for years, but now it's really imperative because interest rates
(11:23):
are so high to make micro payments. And what I
mean by that is if you're going to pay the
same amount of money every single month anyway, But instead
of making one payment, you're going to make two payments.
And the reason for that is that credit cards work
on daily compounding interest, which means today's balance is higher
(11:43):
than yesterday's balance because it's now added the interest on it.
So if you made a fifty dollars payment yesterday, today's
balance would not include that fifty dollars towards the overall interest.
If you're paying your credit cards off and full every
single month, then it doesn't matter, as you only pay
the interest if you fail to pay the balance in full.
(12:04):
But if you're carrying a balance on your credit cards,
micro payments, micropayments, micropayments, and you use what's called debt stacking.
A mistake that a lot of people make is if
they find fifty dollars to pay down their credit card debt,
they might take ten dollars extra here, ten dollars extra there,
ten dollars extra there, because it feels good. I just
(12:26):
pay down four or five different cards instead of just one.
But mathematically, formula driven proven the best way to do
it is stack your credit cards. Take that extra fifty
bucks and put it towards the card with the highest
interest rate until that balance is wiped out. Then you
move to the next one. Move to the next one.
Obviously you need to pay all of your minimum payments
(12:49):
at the same time, so you're.
Speaker 2 (12:51):
Not telling people if you have a card with a
lower interest and a lower balance, to pay that off.
You're saying, take the one that has the higher interest.
What's your advice.
Speaker 3 (13:00):
There is one other philosophy, so it's either the avalanche
or the snowball. What you just mentioned is called the
snowball effect, which again mathematically it doesn't work as well
as debt stacking, but psychologically it's a win. Right. So
if you can pay the balance off of one of
your cards in three or four months, maybe less than
(13:21):
six months, go ahead and focus on that card, get
it out of the way. Do not close the card.
You have to keep it open and active. But you
don't carry a balance anymore in that one card, then
maybe a move to the debt stacking. So there are
two different philosophies, but one is mathematically proven.
Speaker 2 (13:39):
We need to learn more, but we're out of time,
So how can we learn more? Where can people get
the help that you give?
Speaker 3 (13:46):
So just go to better qualified dot com. Better qualified
dot com We actually have an anonymous chat button. People
can ask us any questions they want regarding their credit.
We do have lots of free do it yourself kits
and guides. One of the things, again, this is not
going away. Identity theft is and is going to continue
(14:07):
to be the fastest growing crime in the country. Every
other day there's a data breach, right so we have
to protect ourselves. So we've created the data Breach Survival Guide.
So if people want to copy of that again, you
just go to better qualified dot com.
Speaker 2 (14:24):
Better qualified dot com. Thank you so much Paul Ascer
for sharing with me today and for joining me on
the show.
Speaker 3 (14:30):
Thank you, sir oh, thanks for having me back on Michael,
and thank.
Speaker 2 (14:33):
You for listening. Won't you join me again? I'm your host,
Michael Leech, and I am praying for you and praying
that the rest of your day is wonderful.
Welcome to Starcares, a weekly program that delves into the
issues that impact you and your family. This program is
the public affairs feature of this radio station. Now here's
your host, Michael Leach.
Speaker 2 (00:14):
Now, even the smallest purchase can affect your credit score.
So much going on where credit and credit scores are concerned.
Let's talk about it. My guest today is credit repair
specialist Paul Auster. Paul, thank you for joining me today
and welcome to the show.
Speaker 3 (00:27):
Thanks for having me back on. There are a few.
Speaker 2 (00:29):
Things we need to be aware of that are coming
down the pike. One is that FICO, the company that
assigns credit scores, is saying that they're going to incorporate
by now paid later purchases into the scoring formula. What
is fikov.
Speaker 3 (00:42):
FIKO is an acronym for the fair ISAAC Company, and
that's the company that actually generates the most widely used
credit score in underwriting. Believe it or not, that score
model is used in about ninety five percent of all
underwriting in the world, by the way, so Jin company.
But there are so many problems associated with not just
(01:04):
the FIGHTO score. Remember, the score is being generated off
of the data that it's receiving from the three major repositories,
the credit bureaus, TransUnion, Equifax, and Experience, and you know
the system is flawed at best. Every once in a while,
Fyco updates the score model. This newest model is the
(01:25):
ten T suite, so it's FIGHTO, ten and ten T
and in that score model, it is going to now
include these buy now pay leader accounts. I've actually changed
the name to buy now Pay Never because evidence now
is telling us that there are major, major cracks in
(01:47):
this model of buy now pay later. One of the
biggest players, Karna, came out and said that their losses
are up seventeen percent from the previous year. And you're
talking about one hundred and thirty six million dollars that
the barrowers have failed to pay back. So the industry
is growing exponentially. It's now at about forty six billion
(02:11):
dollars have been used in these buy now pay later schemes.
Speaker 2 (02:14):
For those of us who really haven't paid attention and
haven't participated, take a few moments to tell us about
these buy now paid later purchases. What are people doing
with these?
Speaker 3 (02:23):
Yeah, so it sounds great, right, They are interest free
payment plans so on paper and the marketing geniuses have
made this look so attractive. It's super easy to get
approved most of the time. It's not even a hard
credit check, it's not a hard inquiry, so you're approved
in seconds interest free money. The problem is the people
(02:44):
that are using these plans. It's now very common for
people to use these plans when ordering food deliveries, door dish,
uber eats. It's crazy. People have to be very very
careful and say to themselves, why do I need to
take out a payment plan, even if it is interest free,
because most of the time their other credit cards are
(03:05):
maxed out. They just need another resource. But they're going
to get themselves even further and further in debt. So
this was actually a good thing that they're going to
start reporting these because when they're releasing all this data
on the consumer debt in the United States, we were
way off to the tune of forty six billion dollars
extra on top of the traditional credit card debt. So
(03:29):
people are on the slippery slope right now. Things are
getting tougher and tougher. Interest rates remain high. Interest rates
have remained high, and so has inflation. So the average
consumer is no longer treading water. They're starting to drown
a debt.
Speaker 2 (03:42):
So it's an interest free payment plan. It allows you
to make installments. What happens if you don't make the installments.
Speaker 3 (03:48):
As soon as you fail to make one paint, you're
going to get hit with all of the deferred interest.
You are going to get hit with a late fee.
Then the loan becomes due at that point. So that
is how people are really getting themselves in trouble. The
average person that's taking out one of these plans is
doing a little bit of mental mask. Will I be
able to pay this off in four months? I think? So?
(04:09):
That is simply not the way to go about this.
There needs to be a budget in place that's going
to tell you exactly whether or not you'll be able
to pay these off, because if you don't, again, that
free money, that interest free loan that you had just
became a pretty big nightmare.
Speaker 2 (04:25):
So are there any pros to this? Like? Could this
really help somebody who doesn't have credit, you know, kind
of established credit?
Speaker 3 (04:32):
I say, you know, maybe. Unfortunately, there are pros to
using these plans, especially for the underbanked and underserved community
that don't have access to a lot of traditional credit,
so it could be a good thing that they now
have open, active accounts reporting on their credit reports. One
of the problems when they start to report these accounts,
(04:54):
the credit buros aren't even sure how they're going to
report it. Is it an installment, contract, is an installment
or is it going to go towards the revolving credit
like a credit card. So Experience is actually thinking about
coming up with its a buy now, pay later bureau.
TransUnion is going to keep that information on a completely
separate part of the consumer's credit report, and Equifax is
(05:17):
kind of saying, well, we'll report it. However, the creditor
tells us to report it, and that simply can't be
the case. There has to be some uniformity here. And
can it help somebody who doesn't have a lot of
credit history. Absolutely, But again the problem is the marketing geniuses.
We know this to be true. They're actually targeting women,
(05:38):
blacks and Latinos and people that have lower credit scores
to begin with. To me, it's been a recipe and
a model for disaster since the very beginning. We've put
our hands up and say, wait a second, this is
not going to be a good thing. It's playing out
right now. You know. I heard the CEO of a
firm on the news the other day and they said, Hey,
this is going to be a great thing for people
(06:01):
that don't have access to traditional credit. That sounds great.
The problem is that it's actually going to wind up
hurting more people than it helps.
Speaker 2 (06:09):
Are there any guidelines that are going to sort of
force the credit bureaus to have some type of uniformity
in how they're tracking this information.
Speaker 3 (06:18):
We're hoping that that's part of the regulation. These plans
needed to be regulated. Up until now, they've been unregulated.
So we're hoping that through this regulation and legislation that
they come out and say, okay, these are very much
credit products, so they need to be treated as such.
So there'll be laws and standard operating procedures on how
(06:39):
it gets reported, what kind of damage it can do
to someone's credit. Hopefully all of that is included in
the package when they finally put this through. Again, you
have Fikos saying we're going to include the data in
our score model. The bureaus aren't really sure how they're
going to report it, so there's still work to be
done before we go over the finish line here.
Speaker 2 (06:59):
It seems like all of us sudden this became like
an epiphany. Why weren't these loans included in the credit
scores before? And what happened that they're now being included.
Speaker 3 (07:07):
There's just tremendous pressure from the Consumer Financial Protection Bureau,
from the FTC because they weren't regulated and included. Look,
this thing is growing exponentially every single day, right, so
again now people are using it door dash, uber eats,
so there's over a million applications a day now for
these plans. So the Consumer Financial Protection Bureau stepped in
(07:29):
and said, we have to regulate them, and there has
to be some type of uniformity for everything, how people apply,
what happens if they default, the interest rates. Who is
regulating all of these things. So it's actually a good
thing that they're going to be regulated. It's actually a
good thing that they're going to be part of the
credit history. Again, my feeling is unfortunately it's going to
(07:54):
do more damage than good though.
Speaker 2 (07:55):
So then you would tell people, as a veteran credit
repair person and credit management specialists, avoid them like the plague.
Speaker 3 (08:02):
Yeah, So, unless you are disciplined enough, you have the
money set aside, which if you had the money set aside,
you know, why do you need the payment plan in
the first place. I tell people, if you remember, you know,
this is similar to the old layaway plans where you
went to the store, you needed something and you put
(08:23):
it on layaway, but the store kept that merchandise right
and you made payments. I can remember my mom doing it.
She would go to seers every once in a while
and make a payment towards a big ticket purchase, but
you didn't get the merchandise. And if you didn't make
the payments, you just never took the merchandise and you
got your money back. Now you're actually getting the merchandise
(08:46):
up front before you actually complete all the payments. So
there is definitely a big, big risk for someone who's
not disciplined and does not have the ability to do
a budget, not just mental fuzzy math, actual household budget
that says I will be able to pay this off
in four payments, and that's without you know, a life
(09:07):
event happening. Right, everybody has the greatest intentions and maybe
you can you know on paper and mathematically you're going
to be able to make these payments. But no one says,
but what if? But what if? What if the car
breaks down in the next four months? What if I
need a new roof in the next four months. What
if there's a major storm that does damage all of
these types of things. You know, that's the risk of
(09:30):
taking out any loan. And again, the people that are
taking out these loans are already in trouble, there's no
doubt about it.
Speaker 2 (09:38):
So with all that's going on in our world right now,
say a few words to us about the B word
that you already use, budgeting, saving and using credit, not
just the buy now, pay later, because in a sense
credit is sort of that anyway, But talk to us
about that. What is your advisement to help protect ourselves?
And again, especially in these days and times.
Speaker 3 (09:57):
Yep, So unfortunately, one of the one of the good
hangovers from the pandemic and the COVID virus is that
you have to check your credit first and foremost. Right.
The best place to do that is Annualcreditreport dot com.
Annualcreditreport dot com. You can get a free credit report
(10:18):
every single week. You can update it and check it right.
So if people want to figure out how they're going
to fix their credit They have to know what the
problems are. So get a copy of your credit report.
See what's on there. Again, Unfortunately, we've been doing this
for twenty years. We will tell you that it's ninety
percent or higher. Reports have false, inaccurate, unverified, unvalidated information.
(10:43):
It's on the reports. It's that information that could be
causing the scores to be low. Right, So check those
credit reports. Check them on a regular basis. I don't
think you have to check them every week, but it's
not a bad idea to check them once a month
and then figure out the biggest One of the biggest
killers is credit card debt. So when you can't just
(11:03):
say I'm going to get out of credit card debt again,
you have to have a plan. Are you going to
pay an extra fifty dollars a month to get out
of credit card debt? If you're going to do that,
or even if you're not going to do it. We
are now advising all clients, and we've been saying this
for years, but now it's really imperative because interest rates
(11:23):
are so high to make micro payments. And what I
mean by that is if you're going to pay the
same amount of money every single month anyway, But instead
of making one payment, you're going to make two payments.
And the reason for that is that credit cards work
on daily compounding interest, which means today's balance is higher
(11:43):
than yesterday's balance because it's now added the interest on it.
So if you made a fifty dollars payment yesterday, today's
balance would not include that fifty dollars towards the overall interest.
If you're paying your credit cards off and full every
single month, then it doesn't matter, as you only pay
the interest if you fail to pay the balance in full.
(12:04):
But if you're carrying a balance on your credit cards,
micro payments, micropayments, micropayments, and you use what's called debt stacking.
A mistake that a lot of people make is if
they find fifty dollars to pay down their credit card debt,
they might take ten dollars extra here, ten dollars extra there,
ten dollars extra there, because it feels good. I just
(12:26):
pay down four or five different cards instead of just one.
But mathematically, formula driven proven the best way to do
it is stack your credit cards. Take that extra fifty
bucks and put it towards the card with the highest
interest rate until that balance is wiped out. Then you
move to the next one. Move to the next one.
Obviously you need to pay all of your minimum payments
(12:49):
at the same time, so you're.
Speaker 2 (12:51):
Not telling people if you have a card with a
lower interest and a lower balance, to pay that off.
You're saying, take the one that has the higher interest.
What's your advice.
Speaker 3 (13:00):
There is one other philosophy, so it's either the avalanche
or the snowball. What you just mentioned is called the
snowball effect, which again mathematically it doesn't work as well
as debt stacking, but psychologically it's a win. Right. So
if you can pay the balance off of one of
your cards in three or four months, maybe less than
(13:21):
six months, go ahead and focus on that card, get
it out of the way. Do not close the card.
You have to keep it open and active. But you
don't carry a balance anymore in that one card, then
maybe a move to the debt stacking. So there are
two different philosophies, but one is mathematically proven.
Speaker 2 (13:39):
We need to learn more, but we're out of time,
So how can we learn more? Where can people get
the help that you give?
Speaker 3 (13:46):
So just go to better qualified dot com. Better qualified
dot com We actually have an anonymous chat button. People
can ask us any questions they want regarding their credit.
We do have lots of free do it yourself kits
and guides. One of the things, again, this is not
going away. Identity theft is and is going to continue
(14:07):
to be the fastest growing crime in the country. Every
other day there's a data breach, right so we have
to protect ourselves. So we've created the data Breach Survival Guide.
So if people want to copy of that again, you
just go to better qualified dot com.
Speaker 2 (14:24):
Better qualified dot com. Thank you so much Paul Ascer
for sharing with me today and for joining me on
the show.
Speaker 3 (14:30):
Thank you, sir oh, thanks for having me back on Michael,
and thank.
Speaker 2 (14:33):
You for listening. Won't you join me again? I'm your host,
Michael Leech, and I am praying for you and praying
that the rest of your day is wonderful.
Popular Podcasts
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
NFL Daily with Gregg Rosenthal
Gregg Rosenthal and a rotating crew of elite NFL Media co-hosts, including Patrick Claybon, Colleen Wolfe, Steve Wyche, Nick Shook and Jourdan Rodrigue of The Athletic get you caught up daily on all the NFL news and analysis you need to be smarter and funnier than your friends.