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In The Media

The Business Model of Trans Union and Experian

by Larry Chiang on April 17, 2015

By Larry Chiang
Credit bureaus make money selling derogatory information. 
The entire USA credit system is meant to obfuscate the truth from the general population!
– None of it is common sense
– few know FCRA 
– most advice is not FCRA compliant
– technology is not present
– paper stamps and paper letters (so counterintuitive!) are the tools that work
– And PO boxes!!!

Larry Chiang (@LarryChiang)
1B/ subroutine of getting a @freecreditrepor#POBox105281
[{ Photocopy your drivers license}]
Deleting email or engineering a system with telephone wait times of 90 minutes is LEGAL. Throwing away a piece of US postal mail sent to a PO box. A “post office” box carries a 2-year prison term. 
That is the law. 
ENGR145’s video helped me be solo founder of #ExpTransFax
CEO of Duck9
“Deep Underground Credit Knowledge 9”
c/o UCMS Inc
2021 Midwest Road / 3rd FL
Oak Brook IL
650-283-8008 (cell)
Founder of “What They Don’t Teach at Business School” for CNN iReport:
Author, NY Times Bestseller
“What They Will NEVER Teach You at Stanford Business School about EUTWMPPM @SXSW” came out 11-11-14
52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering
Emergency swings and cutting deals as an 9 year old

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