{"id":10232,"date":"2017-05-03T12:46:59","date_gmt":"2017-05-03T16:46:59","guid":{"rendered":"https:\/\/www.duck9.com\/?p=10232"},"modified":"2017-05-03T18:19:53","modified_gmt":"2017-05-03T22:19:53","slug":"larry-chiang-getting-blocked-on-twitter-should-teach-you-what-about-the-credit-industry-as-a-consumer","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/larry-chiang-getting-blocked-on-twitter-should-teach-you-what-about-the-credit-industry-as-a-consumer\/","title":{"rendered":"Larry Chiang Getting Blocked on Twitter Should Teach You WHAT About the Credit Industry, As a Consumer"},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div>\n<\/div>\n<div>What a great day. Good morning. I got blocked on Twitter by Finovate and I thought it would be a great chance to knowledge activate college consumers getting blocked from their Experian Trans Union and Equifax credit reports.&nbsp;<\/div>\n<div>\n<\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image1-6.jpg\" alt=\"image1.JPG\" id=\"AFE0E857-EA38-4909-8A68-B54DC72BA0C2\"><br \/>\n<font color=\"#000000\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23Finovate&amp;src=hash\">Finovate<\/a>&nbsp;blocked me from access &amp; isn&#8217;t transparent. I&#8217;m a credit executive getting blocked &#x1f433;<\/span><\/font><\/div>\n<div>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/859785670302154752?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">5\/3\/17, 8:04 AM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Blocked. What&#8217;s this about?? Feeling like someone&#8217;s reading&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23FinTech&amp;src=hash\">#FinTech<\/a>&nbsp;feeds?&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23Finovate&amp;src=hash\">#Finovate<\/a>&nbsp;blocked me from access &amp; isn&#8217;t transparent &#x1f433;&#x1f43c;&#x1f425;&nbsp;<a href=\"https:\/\/t.co\/GpRflurdSK\">pic.twitter.com\/GpRflurdSK<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\nKeep in mind I&#8217;ve covered this finTech conference for a tech blog called TechCrunch. As a consumer, you just don&#8217;t realize that credit industry execs are incredibly brazen.&nbsp;Experian, Trans Union and Equifax see Federal Trade Commissions nominal fines as a cost of doing business.&nbsp;<\/span><\/p>\n<\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/p>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/859792557533876225?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">5\/3\/17, 8:31 AM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Not to sound like a YC mentee who&#8217;s read every scrap of YC content, but GET CREDIT LINE &amp; info access WITHOUT THEIR PERMISSION<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\nFinTech is financial technology. But credit executives have engineered a system designed to have regular people like you, fail.&nbsp;<\/span><\/p>\n<\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><img loading=\"lazy\" decoding=\"async\" width=\"702\" height=\"940\" alt=\"image2.JPG\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image2-2.jpg\" title=\"Shirtless-credit-executive-Larry-Chiang\" class=\"alignnone size-custom\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">I&#8217;m not regular. I&#8217;m special. For example, my mentor who helped me be more shirtless more often is the founder of Mint. Aaron Patzer!<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">It&#8217;s supposed to sound like &#8220;Dash&#8221; who is Mr Incredibles kid. Mr Incredible had a day job at an insurance company denying claims.&nbsp;<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/p>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/859803778471481349?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">5\/3\/17, 9:16 AM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Whether or not I&#8217;m a credit executive, I&#8217;ll let history decide. How high your FICO score, I will let you decide when you &#8220;fave&#8221; 14-20 tweets&nbsp;<a href=\"https:\/\/t.co\/SCYJG8obC3\">twitter.com\/larrychiang\/st\u2026<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><\/p>\n<p><\/span><\/p>\n<\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image3-2.jpg\" alt=\"image3.JPG\" id=\"F4958EE0-5C9F-43B8-821F-EB743C741C57\">\n<\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/download?ref_src=MailTweet-iOS\">Download<\/a>&nbsp;Twitter and search for specific things inside my 80,000 tweets. For example, Twitter search &#8220;larrychiang #fico748pt8&#8221;<\/span><\/p>\n<table style=\"border:1px solid black;padding:8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width:48px;height:48px;padding-right:8px;\"><\/td>\n<td><b>Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/596735423298211840?refsrc=email&amp;s=11\">5\/8\/15, 10:56 AM<\/a><\/div>\n<div>A Jedi can just take Experian&#8217;s credit report and write on it like you write on paper using <a href=\"https:\/\/twitter.com\/search?q=%23PObox105281&amp;src=hash\">#PObox105281<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div>\n<\/div>\n<div>Mahalo!<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image4-2.jpg\" alt=\"image4.JPG\" id=\"38AEDDB3-DE85-4972-9C58-2F739B6040C0\"><br \/>\n<span style=\"background-color: rgba(255, 255, 255, 0);\">For example, Twitter search &#8220;larrychiang&nbsp;<\/span><font color=\"#000000\" style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23PObox105281&amp;src=hash\" style=\"background-color: rgba(255, 255, 255, 0);\">#PObox105281<\/a><\/font><span style=\"background-color: rgba(255, 255, 255, 0);\">&#8220;. I took this inside a Victoria&#8217;s Secret across from the Royal Hawaiian hotel<\/span><\/p>\n<\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Speaking of&nbsp;Victoria&#8217;s Secret&#8230; They&#8217;re super slutty about who they grant a $300 credit line to.&nbsp;<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image5-1.jpg\" alt=\"image5.JPG\" id=\"547A8D7D-D27A-4C5A-9E8A-C7F8FEE65D94\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">For example,&nbsp;Twitter search &#8220;larrychiang&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23PObox105281&amp;src=hash\">#PObox16589<\/a>&#8220;<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image6.jpg\" alt=\"image6.JPG\" id=\"BF5666C4-7F35-488F-98EE-8B6C13DB70C7\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div>Just make sure you mail them your new mailing address&nbsp;<font color=\"#000000\" style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23PObox105281&amp;src=hash\" style=\"background-color: rgba(255, 255, 255, 0);\">#PObox16589<\/a><\/font>&nbsp;and mail them payments to raise your FICO credit card credit score&nbsp;<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang What a great day. Good morning. I got blocked on Twitter by Finovate and I thought it would be a great chance to knowledge activate college consumers getting blocked from their Experian Trans Union and Equifax credit reports.&nbsp; Finovate&nbsp;blocked me from access &amp; isn&#8217;t transparent. I&#8217;m a credit executive getting blocked &#x1f433; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10232","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/10232","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=10232"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/10232\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=10232"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=10232"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=10232"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}