Experian & HomeFree-USA Award $40,000 Scholarship to Fisk University Team for Solution to Bridging Credit Education Gap Among Young People

COSTA MESA, Calif.--(BUSINESS WIRE)--Mar 4, 2025--

A four-student team from Fisk University took the top prize in the #IYKYK Pitch Competition (If You Know, You Know) for their business idea to make financial literacy and credit education a rite of passage for young adults, sponsored by Experian and HomeFree-USA.

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Nicknamed Team FinLit, Ansana Regmi, Destiny Marshall, Remilekun Ore and Sovit Lekhak earned a $40,000 scholarship for their proposal, “FinLit HQ.” It’s a personalized gaming experience for teenagers that helps them develop good financial habits and combat money dysmorphia. As they enter their early twenties, users move onto more advanced app-based credit education via gaming missions for real-world financial scenarios, such as buying books at college, renting an apartment, financing a car, and eventually purchasing a home. Because the proposed app would be integrated with Experian SmartMoney, Experian Boost and Experian Go, users would strengthen their real-life credit score as they play in preparation for making informed financial decisions as young adults.

“We realize there’s a knowledge gap within the younger generation about credit. You don’t give someone a car and ask them to drive on the road without any practice. You shouldn’t push young people into the financial world without any education. One small mistake can impact you for years and that’s why FinLitHQ is for users starting as young as 13,” said Ansana Remi, a junior computer science major from Fisk University and captain of Team FinLit.

The #IYKYK Pitch Competition, powered by Experian’s B.A.L.L. for Life initiative, challenged students to create a solution that makes financial literacy and credit education a rite of passage to young people coming of age, including those who are not part of the credit ecosystem. Credit invisibility – meaning without a credit report or credit score – affects 40% of consumers under 25 years of age. Credit invisibility disproportionately affects people of color: 28% of Black consumers, 26% of Hispanic consumers, compared to 16% of White and Asian consumers.

The competition was the culmination of the Experian Credit Academy created for the Center for Financial Advancement® (CFA). Five hundred students from 16 Historically Black Colleges and Universities (HBCUs) came together in live sessions with Experian credit education experts and self-paced modules. Finalists from Bowie State University and Talladega College also presented their ideas live at Experian’s North America headquarters and each team received a $10,000 scholarship.

"We are thrilled to see students fully embrace the pitch competition challenge. Their deep connection bridging the gap in credit education knowledge, and passion for sharing what they’re learning with their communities are inspiring. At Experian, our goal is to make credit education not only informative but also fun, exciting, and culturally relevant. Seeing the enthusiasm and dedication from these students reaffirms our commitment to this mission with HomeFree-USA and the Center for Financial Advancement," said Raudy Perez, Senior Director of External Diversity, Equity and Inclusion Partnerships for Experian North America.

“Education is designed for students, yet their voices can sometimes be missing from the process. Experian’s #IYKYK Pitch Competition allows students to take what they've learned and apply it to real-life scenarios. Learning by doing is powerful, and in this experience, students deepen their understanding of credit and financial literacy by actively engaging with the material and sharing their knowledge with others,” said LuWanna Williams, University Director for the Center of Financial Advancement™.

As part of its mission of financial inclusion and empowerment for all, Experian partners with HomeFree-USA to provide continuing education for its housing counselors and resources for their clients. The company created the Home Preservation Grant, which supported homeowners at risk of losing their homes due to COVID-related hardships with credit education and mortgage relief. Inclusion Forward – Experian Empowering Opportunities™ harnesses Experian’s data, analytics and technology to help clients provide more affordable credit access to diverse communities. To learn more about Experian’s work in diverse communities: visit www.experian.com/diversity.

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About HomeFree-USA

HomeFree-USA is a nonprofit started by Marcia and Jim Griffin in 1994 with a vision to close the homeownership gap. The organization gives African Americans the guidance they need to achieve and sustain homeownership, and bridges the gap between financial strength and homeownership for people of color across America.

As a HUD-intermediary, HomeFree-USA serves the diverse interests of 6.3 million consumers through its nationwide network of over 50 affiliated community-based nonprofits that specialize in guiding people to first-time homeownership, sustainability and increased financial capacity.

For more information visit: https://homefreeusa.org/.

About Center for Financial Advancement ™

The Center for Financial Advancement™ (CFA) is a solution to the industry’s call for more diversity. HomeFree-USA partners with, recruits, trains and places students from Historically Black Colleges and Universities (HBCUs) into internships and careers in partnering mortgage, real estate, and financial services companies. Participating CFA Scholars are exposed to credit, money management and homeownership in order to become a savvy consumer and future homeowner.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and innovate. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 22,500 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

The four scholar team from Fisk University celebrates after winning the 2025 #IYKYK Pitch Competition (If You Know You Know) sponsored by Experian, HomeFree-USA and the Center for Financial Advancement for their idea promoting credit education to teens and young adults. (L-R Remilekun Ore, Fisk University; Michele Bodda, Experian President of Employer Services, Verification Solutions and Housing; Destiny Marshall, Fisk University; Wil Lewis, Experian's Diversity, Equity, Inclusion, Belonging and Talent Acquisition Officer; Ansana Regmi, Fisk University; and Sovit Lekhak, Fisk University.) (Photo: Business Wire)

The four scholar team from Fisk University celebrates after winning the 2025 #IYKYK Pitch Competition (If You Know You Know) sponsored by Experian, HomeFree-USA and the Center for Financial Advancement for their idea promoting credit education to teens and young adults. (Photo: Business Wire)

BALTIMORE (AP) — In a preseason finale that was nearly flawless for Baltimore, kicker Tyler Loop gave the Ravens cause for concern.

Loop missed two of his four field goal attempts Friday night, the only real sour note for Baltimore in a dominant 41-3 win over the Washington Commanders. Loop's rookie season ended in heartbreaking fashion when he missed a field goal and cost the Ravens a playoff spot in their final game. He's hoping to rebound from that, but he's had enough struggles that Baltimore may have to consider bringing in some competition.

“You want to see makes in games, and so it's something we'll continue to look at,” coach Jesse Minter said. “We'll continue to look at what the best situation is there. He has had a good camp overall, but again it comes down to making the kicks in the pressure situations in the games.”

Tyler Huntley and Joe Fagnano each threw a touchdown pass in the first half for the Ravens. With deep backups playing for both teams, it's hard to take much from this game, but anyone who bothered to watch saw a one-sided affair. Baltimore finished with a 26-7 edge in first downs, with the Commanders getting three of theirs on the very last drive. The Ravens also had a 456-177 advantage in total yards.

“It does not matter, you guys, who is or isn't playing. What we saw tonight simply was not good enough,” Washington coach Dan Quinn said. “What makes this even harder is knowing what the next couple days look like, and making tough decisions.”

That was a reference to Sunday, when roster cuts are due.

Loop may not have to worry about that, but his job won't seem all that secure unless he becomes more consistent. In fairness, one of his misses Friday was from 58 yards, but the other was from 51, a pretty routine distance these days. He made field goals of 51 and 24 yards to finish 5 of 8 in three exhibition games this year.

“I know the expectation is to make kicks, and it's what we got to do. I have to carry over the ball-striking from pregame and practice, and it's got to happen every time,” he said. “We got two weeks until (the season opener at) Indy, and we're going to be hyper-focused on that. We're headed into the season, stat sheet's clear, and it's time to go.”

Huntley played only the first offensive series Friday and completed all four of his passes, including a 25-yard scoring strike to Chris Moore that made it 7-0.

Then Kaytron Allen fumbled on Washington's first offensive play, gifting the Ravens a short field. Fagnano scored on a 1-yard sneak.

LaJohntay Wester made it 24-0 with 3:46 remaining in the half, reaching back with one arm and hauling in a 10-yard touchdown pass from Fagnano, but Loop's 51-yarder at the end of the second quarter was wide left.

Jonathan Ward's 2-yard TD run made it 31-0 before an interception by Quindell Johnson put the Commanders in field goal range for their first points of the game.

In the fourth, Dontae McMillan broke free for a 63-yard run on his first carry of the game, and then Austin Reed threw a 20-yard scoring pass to Cornelius Johnson for a 41-3 lead. Baltimore won all three of its preseason games.

The Commanders (1-2) didn't have enough offensive plays to get anyone that many touches until late in the game. Athan Kaliakmanis went 7 of 13 for 45 yards. Sam Hartman relieved him and went 9 of 14 for 64 yards. Washington was 1 for 12 on third down.

Robert Henry Jr. had 33 yards on 10 carries and Craig Reynolds had 38 on nine. Lawrence Cager had six catches for 34 yards.

Ward had 53 yards on seven carries for Baltimore and Rasheen Ali had 28 yards on nine attempts. Adam Randall had 25 yards on five carries along with three catches for 45 yards.

Commanders: Open the season at Philadelphia on Sept. 13.

Ravens: Open at Indianapolis that same day.

See AP’s full NFL coverage here

Baltimore Ravens running back Johnathan Ward (35) dives over Washington Commanders defensive back Qwuantrezz Knight Sr. (32) during the second half of an NFL preseason football game, Friday, Aug. 28, 2026, in Baltimore. (AP Photo/Nick Wass)

Baltimore Ravens running back Dontae McMillan (36) runs for a first down against the Washington Commanders during the second half of an NFL preseason football game, Friday, Aug. 28, 2026, in Baltimore. (AP Photo/Stephanie Scarbrough)

Baltimore Ravens wide receiver Cornelius Johnson (86) celebrates with Elijah Sarratt (13) after catching a touchdown pass against the Washington Commanders during the second half of an NFL preseason football game, Friday, Aug. 28, 2026, in Baltimore. (AP Photo/Nick Wass)

Baltimore Ravens wide receiver Cornelius Johnson (86) catches a pass for a touchdown as Washington Commanders' Qwuantrezz Knight Sr. (32) and Fred Davis II (38) defend during the second half of an NFL preseason football game, Friday, Aug. 28, 2026, in Baltimore. (AP Photo/Nick Wass)

Baltimore Ravens kicker Tyler Loop (33) misses a field goal attempt against the Washington Commanders during the first half of an NFL preseason football game, Friday, Aug. 28, 2026, in Baltimore. (AP Photo/Stephanie Scarbrough)