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Adding Your Fulltime Job to Experian, Trans Union and Equifax “#ExpTransFax”

by Larry Chiang on July 25, 2016

Larry Chiang’s book, What They Don’t Teach You At Stanford Business School, is a sequel to his mentor’s, Mark McCormack’s, book, “What They Don’t Teach You at Harvard Business School“. Chiang had his book launch party at New York Fashion Week. As a college founder, Larry Chiang mentored college students at public schools to get a FICO over 750 as sorority coeds. If you enjoyed, “What They Don’t Teach You at Stanford Business School” and Harvard University Business School’s blog, you will enjoy this blog post on adding information to your Experian, Trans Union and Equifax credit reports

“Tory Burch’s show @NY Fashion Week. My feet are actually on the runway!”
– Larry Chiang, CEO Duck9
By Larry Chiang
ExpTransFax (@ExpTransFax)
The supermajority of people I meet are dumbfounded & confused. Yes, you can pump your credit reports full of good.…

Experian, Trans Union and Equifax do not want you to network with them. So they will place you on permanent hold if you call via telephone.

If you write paper mail, they must read and write you back. The supermajority of people I meet are dumbfounded & confused because, YES, you can pump your credit reports full of good.

Trick. The tip I recommend is using post office boxes. Tricky because USA laws require Experian, Trans Union and Equifax to answer mail within 30 days. 

ExpTransFax (@ExpTransFax)
Experian = #poBox4500
ExpTransFax (@ExpTransFax)


ExpTransFax (@ExpTransFax)
Equifax is networked with using #poBox740256. But they do not want you to send them mail, so do it!#expTransFax


This letter of augmentation and addition has the purpose of writing on your credit reports. You are adding positive information to Experian, Trans Union and Equifax. These credit bureaus Experian, Trans Union and Equifax must abide by federal FCRA law. Fair Credit Reporting Act requires a paper trail. 


[[Date. Today’s date minus 3 days]]

[[Equifax]] Equifax 
#poBox740256 ]]#poBox740256 

[[google #poBox740256 for the City, State, Zip of Equifax]] City, State, Zip

Subject:  Request for Addition of Credit Information

Dear [[Credit Bureau #3 Name]] Equifax:

CC Congressman Culberson

According to FCRA, I am permitted to have accurate and true information reflected in my credit report. I have attached paperwork proving that I am employed and included my social security number for your review.

I understand that, “A consumer’s credit report should reflect completeness and accuracy.”  I look forward to receiving an updated copy of my credit report reflecting this change. I have cc’d my congressman. 

Thanking you in advance for your assistance.


[[Your Name]] 
[[Your Address]]
[[Your SS#]]
[[Your DOB]]

Copy of your W2, thrice. Copy your W2 three times. Copy your last pay stub three times. 
Now, do Experian and Trans Union.
Experian = #poBox4500

ExpTransFax (@ExpTransFax)
Trans Union’s #poBox2000 

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