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The Free Credit Report Form That’s Better Than The Online Technique

by Larry Chiang on December 2, 2014

By Larry Chiang 
I used to teach an engineering class, so I know a little about technology (and tech entrepreneurship). If you’re foreign or from India, this is sarcasm. Think of me as a person ranked #1 at IIT. But instead of testing for Computer Science skills, I tested Number One for FCRA comprehension. 
As a credit expert, I make an obscene amount of money leveraging the fact that the Post Office box #PObox is the Achilles heel of the credit industry. 
#POBox105281 will never be a trending hashtag on twitter ;-P
We don’t make money if you execute a free credit report request on your own. This is “How to do what duck9 does without having to hire duck9” {#HTDWD9DWOHTHD9}

Credit records are archaic where the format is messed up when you view it online. As CEO of Duck9, me and my 188 IQ strongly recommend mailing in this form

Download this and mail it to the address on the form. It’s also below 

Annual Credit Report dot com Request Service 
P.O. Box 105281 
Atlanta , GA 30348-5281

Then they mail you Equifax, Experian, and Trans Union credit reports.




**** Five reasons to not get your credit report online ****

If you must do it online because you’ve waited 3 years to get a credit report and can’t wait another week (hint sarcasm), avoid these pitfalls


** pitfall #1 **

The name is confusing. FreeCreditReport dot com is under FTC embargo for deceptive trade practices and is owned by Experian. It’s been under investigation for violations dating back to 1999 and has been fined millions (read and Wikipedia).

In short, the government mandated, free reports are at “Annual Credit Report dot com



** pitfall #2 **

These boxes are misleading andtrick people into paying for a credit score when they should be just giving you the free credit report.

No Thanks, Just My Report


Yes, Show Me My Credit Score


** pitfall #3 **


Are you sure you’d like to cancel your order?

You have chosen to cancel your order. If you cancel now, you will have to start the process over again if you choose to order at a later time. 

What to do:

•  Cancel only the paid product(s), but provide my Free Report.

•  No, I’d like to continue my order as-is.

•  Yes, I want to cancel my order completely.


** pitfall #4 **

Very difficult to print out your report online. Good luck printing out your report. The website doesn’t return results in a easy to read, easy-to-dispute manner. There isn’t a PDF format and the results aren’t importable into Microsoft word.


** pitfall #5 **

Identity confirmation is much harder online where website visitors often come away with two of the three (Equifax, Experian, and Trans Union) credit reports.

ENGR145’s two anchor videos move you to the right on the entrepreneur bell curve 
Is a bit ly I memorized that links to
CEO of Duck9
Stanford University’s Founding EIR (Entrepreneur in Residence)
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” comes 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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