
Beyond Clean Podcast
979 episodes — Page 20 of 20

S1 Ep 29Robert Edelstein: Custom Surgical Instruments, Cost Savings & Purchasing
This week on Beyond Clean we speak with Robert Edelstein, President Millennium Surgical Corp. A division of Avalign Technologies. Robert has been in the surgical instrument business for over 25 years. His company Millennium Surgical Corp. has developed and refined an innovative business model focused on expert support, high quality US and German made specialty surgical instruments, and systems which enable hospitals and surgical centers to quickly locate and compare most specialty surgical instruments. Segment 1 (02:40) - Custom Surgical Instrument Manufacturing Segment 2 (16:50) - Cost Savings, Instrument Purchasing & Education Initiatives Join us next week when we will speak with Jenny Manderino, Director of Accreditation for LifeCare Oklahoma/Arkansas with Vizient. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 28Candidate Spotlight: Brian Reynolds and Tony Thurmond
This week on Beyond Clean we speak with Brian Reynolds and Tony Thurmond, the two IAHCSMM President-Elect candidates for 2018. Brian is the Assistant Chief SPS at the Birmingham VA Medical Center and Tony is the CS Manager at The Christ Hospital Health Network in Ohio. We are excited to introduce you to both candidates on this week's episode of Beyond Clean. Segment 1 (03:00) - Brian Reynolds Segment 2 (20:00) - Tony Thurmond Join us next week when we will speak with Robert Edelstein, President Millennium Surgical. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 27Sara Freiberg: Flexible Scope Cleaning, Adverse Events & Putting ST_91 Into Practice
This week on Beyond Clean we speak with Sara Freiberg, Clinical Education Account Manager with Northfield Medical. Sara has 16 years of experience in the Operating Room and significant experience as a Clinical Specialist, Product Manager and Clinical Education Manager for medical device companies. She holds both IAHCSMM and CBSPD certifications and is a Certified Surgical Technologist. Finally, Sara is an AAMI ST_91 Voting Board Member and an expert on Flexible Endoscopes. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 (03:20) - Leak Testing 101 & Point of Use Cleaning Segment 2 (19:45) - Manual Cleaning & Adverse Events Join us next week when we will speak with Robert Edelstein, President Millennium Surgical. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 26Nestor Hernandez: Discovering Your Why, Finding Your Voice, and Public Speaking
This week on Beyond Clean we speak with Nestor Hernandez, SPD Manager at Lehigh Valley Health Network. Nestor speaks at Regional IAHCSMM Seminars, has developed a precertification course and prompts others to be successful and sensible, empowering them to do their job to the highest degree of quality possible. Nestor is Industrious, efficient, and organized with a scrupulous attention to detail. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 (04:15) - Discovering Your Why Segment 2 (23:45) - Finding Your Voice Join us next week when we will speak with Sara Freiberg, Clinical Education Account Manager with Northfield Medical. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 25Ralph Basile: ISO Certification for SPD Departments & AAMI/ASTM Updates
This week on Beyond Clean we speak with Ralph J. Basile, Vice President of Marketing and Regulatory Affairs for Healthmark Industries Co., Inc. He is a member of AAMI Sterilization Standards Committee including Cochair for Work Group 12. He is a U.S. delegate to ISO/TC198 WG12 & WG13. He is also a member of several ASTM Committees related to medical devices, including Cochair for ASTM F04.15.17. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 (02:45) - ISO Background & Intersection w/ Sterile Processing Standards Segment 2 (14:45) - AAMI/ASTM Updates & Standards Related to Cleaning Medical Devices Join us next week when we will speak with Nestor Hernandez, SPD Manager at Lehigh Valley Health Network. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 24David Anbari: Third Party Instrument Repair, AMDSO & The "Right To Repair" Debate
This week on Beyond Clean we speak with David Anbari, Chief Executive Officer of Mobile Instrument Service and Repair, a national provider of repair and maintenance services for reusable surgical equipment. David brings a diverse background in industries outside health care to Mobile. He blends his background in finance, technology, and operations to bring innovative solutions to enable providers to maximize their investment in surgical equipment. Recently, David has been a vocal advocate for the independent medical service industry including multiple speaking engagements as well as presenting at the FDA's workshop on the issue. He serves as chairman of the Association of Medical Device Service Organizations which is a trade association advocating for the right to repair and for strong quality systems for the servicing industry. Though David did not grow up in health care, he brings a practical business focused perspective to the industry's challenges. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 (03:30) - History of "3rd Party Instrument Repair" Segment 2 (19:35) - The "Right to Repair" Debate & AMDSO.org Join us next week when we will speak with Ralph J. Basile, Vice President of Marketing and Regulatory Affairs for Healthmark Industries Co., Inc. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 23David Taylor: OR/SPD Collaboration & The OR Today Live Conference
This week on Beyond Clean we speak with David Taylor, President of the Resolute Advisory Group, LLC. David has been providing services to clients with various nursing, perioperative, ancillary service line, and business development needs across the United States for over 30 years. His areas of expertise are services that improve operational and clinical efficiencies, while helping organizations function more effectively to improve their market position. David's particular area of specialty lies in the operational improvement of Surgical Services and Central Sterile/Sterile Processing Departments (SPD/CS). CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 (03:40) - Confronting the Challenge of OR/SPD Collaboration Segment 2 (29:40) - OR Today Live Conference Preview Join us next week when we will speak with David Anbari, Chief Executive Officer at Mobile Instrument Service & Repair Inc. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 22Rene Vis: Business Training for SPD Leaders & Thermometric Validation
This week on Beyond Clean we speak with Rene Vis, Product Manager at Steelco Benelux B.V. Rene has over 30 years involved in decontamination of medical devices. He is a member of the National Standardization Institute The Netherlands NEN sterilization committee 301081, Former chairman national sterilization association in the Netherlands (SVN), and Former board member national sterilization association in the Netherlands (SVN). CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 (03:15) - Business Training for SPD Leaders Segment 2 (19:30) - Thermometric Validation Join us next week when we will speak with David Taylor, President of the Resolute Advisory Group, LLC. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 21Jay Hardingham: Sterilization Container Rentals & Other Practical Implications
This week we speak with Jay Hardingham, the founder of SPD Rentals. Throughout Jay's career, he has been both an Entrepreneur and held senior-level Sales and Marketing leadership roles within the healthcare industry. He has also held the position of Vice President of Sales and Marketing for Case Medical who manufactures Rigid Sterilization Containers. Segment 1 (02:55) - Sterilization Container Rentals Segment 2 (19:35) - Practical Implications of Container Rental/Conversions Click To Subscribe on iTunes, Stitcher, Google Play or Spotify.

S1 Ep 20Pawel de Sternberg Stojalowski: Decontamination Disruption, Virtual Reality & Augmented Reality Applications
This week on Beyond Clean we welcome Pawel de Sternberg Stojalowski, Managing Director, R&D Engineer and Consultant for Decontamination of Medical Devices at Aseptium. Pawel has a Master's degree in Mechanical Engineering and a Bachelor's in Robotics and Mechatronics. His background gives him the ability to combine and reinvent solutions and technologies. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 (03:15) - Decontamination Disruption Segment 2 (24:25) - Virtual Reality & Augmented Reality Applications Join us next week when we will speak with Jay Hardingham, the founder of SPD Rentals. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 2Brian Reed: Startup Companies & Big Data
This week on Beyond Clean we speak with Brian Reed, Co Founder and CEO at Ascendco Health on the topic of startup companies and "Big Data" in Sterile Processing. Brian discussed the realities of beginning a startup such as the importance of listening to customers, being honest with yourself, facing humiliation, and finding a partner with complimentary skills who both respects and appreciates your differing talents. Other topics included opportunities for improvement, such as merging disparate systems supporting various departments to achieve improved efficiency. Brian also astutely noted that while data can provide clarity it still requires informed people to solve problems.

S1 Ep 19Round Table Discussion: 2017 Review, Instrument Budget & Responding to Fast Paced Changes
This week on Beyond Clean we welcome Michael Matthews Manager of Central Sterile at Baptist Health in Arkansas who is joining us as an administrator and co-host. Mike, Hank and Justin conduct a round table discussion looking back at 2017 for BeyondClean, the instrument budget, and dealing with fast paced changes in SPD. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 (12:00) - Instrument Budget Segment 2 (26:10) - Fast Paced Changes in SPD Join us after the holidays when we will speak with Pawel de Sternberg Stojalowski, Managing Director, R&D Engineer and Consultant for Decontamination of Medical Devices at Aseptium. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 18Peter Nichol: Tray Optimization & Waste Reduction
This week we speak with Dr. Peter Nichol, Pediatric Surgeon and Chief Medical Officer of MedAware Systems Inc. Dr. Nichol is a minimally invasive pediatric surgeon and Developmental biologist. He has helped develop the first and only mega-analytics platform to serve consumers, healthcare providers and the BioPharma/BioTech industry with the light speed analytics of the compendium of the entire clinical trials and clinical outcome literature. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 (03:45) - Background to Optimization Discussion Segment 2 (28:40) - Reducing Bioburden & Set Optimization Click To Subscribe on iTunes, Stitcher, Google Play or Spotify.

S1 Ep 17Lindsay Brown: Surgical Instrument Cleaning Brushes
This week on Beyond Clean we speak with Lindsay Brown, Clinical Education Manager at Key Surgical. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 - 02:10 Types of Brushes General Use Recommendations Proper Storage Segment 2 - 18:15 Brush Instructions for Use Brushes on the Clean Side Reusable Brushes Segment 3 - 36:20 Dangers of Improper Brushing Stainless Steel Versus Nylon Future of Brushes Join us next week when our guest will be Dr. Peter Nichol, Pediatric Surgeon and Chief Medical Officer of MedAware Systems Inc. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 16Don Williams: Centralized Processing for Ambulatory Surgery Centers and Clinics
This week on Beyond Clean we speak with Don Williams Manager, Sterile Instrument Processing of the Northwest Region at Kaiser Permanente. He is an IAHCSMM Certification Council Member and has served as the President of the Northwest Cascade Chapter of IAHCSMM. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 - 02:30 Don's Transition From Criminal Justice to SPD Leadership Growth IAHCSMM Chapter Success Segment 2 - 17:30 Initial Challenges In Centralized Processing for ASCs Vision for Improvement Building Trust Segment 3 - 35:55 "Fixing" the owned implant inventory Scope Processing Opportunities for Improvement Biggest Challenges Still Facing SPD Leaders Join us next week when our guest will be Lindsay Brown, Clinical Education Manager at Key Surgical. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 15Keerthi Kanubaddi: Vendor Managed Inventory, Technology and Solutions
This week we speak with Keerthi Kanubaddi, Founder & CEO at ReadySet Surgical. ReadySet simplifies the surgical vendor supply chain by consolidating logistics and communication to all members of the surgical team to ensure that every patient has the right equipment with the right sterilization parameters at the right time. Segment 1 - 02:50 Keerthi's Background Challenges with Vendor Managed Inventory (VMI) VMI Logisitcs Segment 2 - 17:30 VMI in SPD: What's Working and What's Not Common Roadblocks to Efficiency and Compliance Physician and OR Staff Challenges with VMI Segment 3 - 32:00 The Monetary Value of Surgeon Relationships Adoption Rates for VMI Technology Making The Business Case Join us next week when our guest will be Don Williams, Sterile Instrument Processing Manager of the Northwest Region at Kaiser Permanente. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 14Mary Ann Drosnock: AAMI Overview, ST91 Update, Flexible Scope Reprocessing
This week on Beyond Clean we speak with Mary Ann Drosnock, Manager of Clinical Education for Endoscopy with Healthmark Industries. Previously, Mary Ann managed the Infection Control Program and Device Reprocessing Functions for Olympus America which included the development of position statements and policies regarding device compatibility along with health and safety information related to device utilization and reprocessing. CE Credits -> https://www.beyondclean.net/ce-credit-hub Segment 1 - 03:40 Mary Ann's Experience General AAMI Overview AAMI Workgroup Meetings Update Segment 2 - 20:00 Background on ST91 Highlights and Misunderstandings Challenges and the Future Segment 3 - 43:20 Scope Reprocessing Resource Needs Opportunities to Learn New Technologies Join us next week when our guest will be Keerthi Kanubaddi, Founder & CEO at ReadySet Surgical. Click To Subscribe on iTunes or Stitcher

S1 Ep 13Rick Wells: Root Causes of Instrument Damage, Custom Trays and Justification, The Dangers of "Business as Usual"
This week on Beyond Clean we speak with Rick Wells, President at SolutionWells, LLC, which is a consulting company that engages with hospitals and businesses to help identify and reduce unnecessary costs. Rick is an Experienced President with a demonstrated history of working in the medical device industry for 31 years. Segment 1 - 03:00 Rick's Career Background Reducing Human Error Transportation and "Non-critical touches" Segment 2 - 19:55 Altru Hospital Custom Tray Study Reduced Repair Spend 32% in the first 3 months Instrument Failure Rate - Reduced from 18% to 3% Segment 3 - 37:05 Root Cause Analysis Reducing Repair Occurrences Creating A Sustainable Environment Articles Referenced in this episode: HPN Article - Altru Hospital Study Vendor Vantage Article: Why 'business as usual' is bad for business - and the bottom line Join us next week when our guest will be Mary Ann Drosnock, Manager of Clinical Education for Endoscopy with Healthmark Industries. Click To Subscribe on iTunes or Stitcher

S1 Ep 12Dan Vukelich: AMDR Mission and Focus, Overview of Single Use Devices, Challenges and Benefits
This week on Beyond Clean we speak with Dan Vukelich, President at AMDR, The Association of Medical Device Reprocessors which is a trade association representing the interests of the global commercial medical device reprocessing and remanufacturing industry. His specialties include the industry's legal, legislative, regulatory and public relations interests. Segment 1 - 04:35 Dan's Interest In Single Use Device Reprocessing Background On The Association of Medical Device Reprocessors Collaboration w/ Other Organizations and Education Segment 2 - 19:40 Defining The Single Use Device Reprocessing Workflow & Handling FDA - Past & Present Role In Reprocessing Segment 3 - 35:30 How Patients & Hospitals Benefit UDI Regulation & Device Tracking The Role Of Sustainability In The Industry Join us next week when our guest will be Rick Wells, President at SolutionWells, LLC #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 11Bob Marrs: The CS Professional as a Patient, Lessons in Leadership, and Surgical Instrument Quality
This week on Beyond Clean we speak with Bob Marrs, Director of Consulting Services & Field Operations with Aesculap. Bob has worked in the Perioperative setting for 20 years in various roles ranging from Certified Surgical Technologist to SPD Technician, Case Cart Coordinator, Sterile Processing Supervisor, Manager and Director. He has been a professional consultant for five years and is a trained surgical instrument expert. He is a certified Instructor through IAHCSMM, has been published in numerous healthcare publications, and was a contributor to the IAHCSMM 7th edition manual and IAHCSMM CHL Leadership Manual. Bob has a deep passion for excellence in Sterile Processing and believes that certification through education provides the foundation needed for superior patient care. Segment 1 - 03:20 Camp Barnabas Experience Viewing the Role of CS After Being a Patient Publishing CS Metrics for Patients to Access Segment 2 - 21:56 Lessons Learned as a CS Leader Tips on Developing Leaders in CS Should Vendors Be Certified Too? Segment 3 - 40:00 Pakistan Instruments German Stainless Steel Quality Trends Join us next week when our guest will be Dan Vukelich, President at The Association of Medical Device Reprocessors #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 10CS Week Success Stories
Justin and Hank share their thoughts on three success stories from around the globe recognizing the accomplishments of Sterile Processing Technicians and Leaders during CS Week.

S1 Ep 9Stephen Kovach: "The CPD Guy", Enhanced visual inspection technologies, Legal Responsibilities
This week on Beyond Clean we speak with Stephen Kovach, Director of Education at Healthmark Industries. He has been in the Hospital field for over 37 years. Stephen is active both on the state and national levels of various organizations having held many positions. He is a voting member on various AAMI committees and has a personal web site where you can read many of his articles; www.cpdguy.net. He has also authored chapters in both the IAHCSMM 7th Technical manual and the Management manual. He is very proud to say that he has "WORKED IN CENTRAL SERVICE". Segment 1 - 03:12 Biographic/Industry Experience Becoming "The CPD Guy" Overview of Crazy4Clean Segment 2 - 19:18 Infection, Device Design, and IFUs Enhanced Visual Inspection Overview of Available Technologies for Inspection Segment 3 - 36:49 Flexible Scope Cleaning Challenges Legal Responsbility Realistic Expectations & Mentorship Join us next week when our guest will be Bob Marrs, Director of Consulting Services & Field Operations with Aesculap. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 8Jim Stobinski: Industry Certifications, Research Studies on Certification Impact, The Power of Data
This week on Beyond Clean we speak with Jim Stobinski, CEO at The Competency and Credentialing Institute. Jim has in excess of 25 years' experience in the operating room with work roles which have included janitor, orderly, staff nurse and a variety of supervisory positions. His education includes a diploma of nursing from the Toledo Hospital School of Nursing and a BSN and MSN from East Carolina University. He earned his PhD in International Health Research from Touro University International in June of 2011 for a study of competency and skill acquisition in perioperative nurses. In 2014 he was one of the authors of a research study published in the AORN Journal regarding the correlation between perioperative nursing characteristics and nursing sensitive outcomes for surgical patients. Segment 1 - 04:09 About The Competency and Credentialing Institute Operating Room Certifications Impact of Value Based Purchasing Segment 2 - 19:34 Surgical Site Infection Studies Early Studies on Certification and Staffing Complications Collecting and Connecting Data from Various Sources Segment 3 - 36:53 What Does This Mean for CS/SPD Professionals? The Future of Certification The Perceived Value of Certification Tool Join us next week when our guest will be Stephen Kovach, Director of Education at Healthmark Industries. #beyondclean Click Here For More Info On The Perceived Value of Certification Tool Click To Subscribe on iTunes or Stitcher

S1 Ep 7Daniel Coole: Manufacturing Surgical Instruments, Healthcare Regulation in the United Kingdom, Instrument Coatings and Tracking
This week on Beyond Clean we speak with Daniel Coole, Managing Director at Surgical Holdings in the United Kingdom. Daniel has over 20 years in the Surgical Instrument Manufacturing Industry and is the Chair of the Surgical Instruments Special Interest Section for the Association of British Healthcare Industries. Segment 1 - 01:58 Introduction to Daniel & Manufacturing Industry Changes Differences between UK & US Segment 2 - 19:27 Overview of HTM 01-01 Impact of regulation on innovation National Apprenticeship Scheme Segment 3 - 39:10 Instrument Coatings Preparing for UDI regulation RFID and Instrument Tracking Join us next week when our guest will be Jim Stobinski, CEO at The Competency and Credentialing Institute. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 6Thomas Overbey: Ultrasonic Cleaning, Game of Reprocessing Challenge, and Social Media Insights
This week on Beyond Clean we speak with Thomas Overbey, Director of Marketing at Ultra Clean Systems. Thomas' achievements include producing numerous live interactive surgical broadcasts, as well as on-demand continuing education content. Segment 1 - 02:32 Ultrasonic Cleaning Overview Current Trends and Common Misconceptions Buyer's Guide Discussion Segment 2 - 23:59 Game of Reprocessing Challenge Concept Requirements for Submission Importance of Professional Conferences Vendors Role in Education Segment 3 - 38:13 NewsSplash - Positive Messaging Cutting Edge Social Media Technology in Medicine Join us next week when our guest will be Daniel Coole, Managing Director at Surgical Holdings in the United Kingdom. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 5Patrick Dotts: SPD/OR Temp Staffing & Travelers
This week on Beyond Clean we speak with Patrick Dotts, Division Director at Soliant Health. Patrick is a healthcare placement professional whose primary focus is contracting high quality Nursing, Allied and Therapy professionals to hospital clients. Segment 1 - 03:05 Introduction to the staffing model Challenges with agency staffing Market variations across the country Segment 2 - 18:11 What to look for in an agency Preparing to receive an agency technician Adopting a 3rd party rating system Segment 3 - 39:56 Benefits of becoming a traveling technician What to consider before traveling Common mistakes new travelers make Join us next week when our guest will be Thomas Overbey, Director of Marketing at Ultra Clean Systems. #beyondclean Click To Subscribe on iTunes or Stitcher

S1 Ep 4Alison Sonstelie: CS/SPD Department of The Year Award
This week on Beyond Clean we speak with Alison Sonstelie, Supply Chain Manager - Sanford Fargo Medical Center at Sanford Health about her positive experiences working in Sterile Processing, The 2014 CS/SPD Department of the Year Award, and her career growth into Supply Chain management. Segment 1 - 03:00 Successful management model for career growth Importance of IAHCSMM Biggest Challenges to SPD Departments and Professionals today Segment 2 - 20:34 2014 CS/SPD Department of the Year & Confidence Builder Award State of the department before and after improvements Biggest wins and best practices Segment 3 - 42:21 Transition from SPD to Supply Chain Management How to prepare for professional advancement SPD alignment within the organizational structure and opportunities for improvement Join us next week when our guest will be Patrick Dotts, Division Director at Soliant Health.

S1 Ep 3Shawn Flynn: Medical Device Instructions for Use
This week on Beyond Clean we speak with Shawn Flynn, a Consultant, Entrepreneur, and Medical Device Inventor who is the founder and President of The Peritorum Group. Shawn gives listeners a look inside the process of gaining 510k approval and building a quality system that includes a risk analysis component. Dealing with various cycle times, the resulting bottleneck, and who to contact when dealing with smaller startup device companies is also covered. While there can be great pressure to cut corners in order to meet demand, Shawn encourages technicians and managers to have the backbone to say no and advises that the good device representatives will support the smart and safe decision. Hank and Justin then raise the topic of UDI regulation and the possible role it could play in improving communication, especially in regards to real time updates of the Instructions for Use. The interview closes with the feasibility of requiring manufacturers to choose from three standard processing options and if employing an expert in sterile processing would help the technical writers develop instructions that can be more easily interpreted. CE Credits -> https://www.beyondclean.net/ce-credit-hub

S1 Ep 1Michael Matthews: Partnering w/ Infection Control
This week on Beyond Clean we speak with Michael Matthews, Manager of Central Sterile at Baptist Health in Arkansas. Mike is a rising star in the Sterile Processing industry, who has taken a particular interest in regards to compensation and education requirements for front-line technicians. Michael offers his insight into how managers can determine the value of a high quality technician and making the most of a role in sterile processing and opening new opportunities while climbing the career ladder. The main topic of conversation surrounds how to effectively partner with Infection Control to meet the needs of the institution and increase awareness of the important challenges facing departments across the country. We hope you will enjoy our inaugural episode of Beyond Clean! CE Credits -> https://www.beyondclean.net/ce-credit-hub