By Larry Chiang

Used Car Week is this week.
It’s at the Phoenician in Scottsdale on Camelback near 64th street.
![]() |
Diana Asatryan (@DinaAsat) |
“We are all in an alternative database now” @FactorTrust‘s @underbankedstew gives opening notes for #Re3 #usedcarweek
|
So if you’re too off-the-credit-grid…, you’re in the 4th credit bureau.
![]() |
Larry Chiang (@LarryChiang) |
It’s termed “off credit report scoring” in my world cc @arrington #fico748pt8 #RMRMRE twitter.com/dinaasat/statu…
|
#RMRMRE is Risk Mitigation. risk minimization. Risk Elimination. It applies to entrepreneurship as well as credit underwriting.
![]() |
Larry Chiang (@LarryChiang) |
I love Trans Union. I hope their business practices remain exactly the same so my secret society THRIVES. twitter.com/AutoFinanceNew…
|
![]() |
Larry Chiang (@LarryChiang) |
#ExpTransFax where the user realizes the bureaus are pulling credit report and submits to help confirm credit risk’s request for information and data confirmation.