{"id":2527,"date":"2014-08-22T14:03:34","date_gmt":"2014-08-22T18:03:34","guid":{"rendered":"https:\/\/www.duck9.com\/?p=2527"},"modified":"2014-08-22T14:07:37","modified_gmt":"2014-08-22T18:07:37","slug":"an-ex-credit-bureau-employee-says-call-me-on-quora","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/an-ex-credit-bureau-employee-says-call-me-on-quora\/","title":{"rendered":"An Ex Credit Bureau Employee Says “Call Me” on Quora"},"content":{"rendered":"
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By Larry Chiang<\/div>\n
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Calling a credit bureau preserves zero rights.<\/div>\n
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Writing letters is the only way.<\/div>\n
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For example,<\/div>\n
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<\/td>\nCEO of Duck9, Larry (@6502838008<\/a>)<\/b><\/td>\n<\/tr>\n
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8\/22\/14, 10:49 AM<\/a><\/div>\n
How do I dispute a debt showing up on my credit report without restarting the clock on it, if it is a legitimate deb\u2026 qr.ae\/5EApc<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Chiang <\/div>\n

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<\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
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8\/22\/14, 10:51 AM<\/a><\/div>\n
#Duck9<\/a> duck9.com\/blog\/credit-se\u2026<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n


Here is the original thread that you can copy-paste-cite-source<\/span><\/div>\n

Credit Scores: How do I dispute a debt showing up on my credit report without restarting the clock on it, if it is a legitimate debt?<\/a>

Tim on Quora Credit Scores: How do I dispute a debt showing up on my credit report <\/a>said, “I previously worked for a credit reporting agency.”<\/span><\/div>\n


<\/span>He then incorrectly mentors you to:<\/b><\/span><\/div>\n

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“Call the credit reporting agency that was used to pull your credit report and start the dispute process<\/b>.
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Legally they have 45 days<\/b> to complete research regarding the dispute and resolve the issue. BUT FOR WRITTEN DISPUTES ONLY<\/span><\/div>\n

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By law <\/b>(refer to the FCRA)<\/i>, anyone who pulls your credit report (the credit reporting agency) <\/span>must<\/u> provide assistance with credit disputes. <\/span>FCRA by law <\/b>requires you to write paper mail using USPS postage stamps<\/i><\/div>\n

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I, larry Chiang, has been on record saying, “Use stamps for a paper credit dispute”. For example,<\/div>\n

<\/p>\n\n\n\n\n
<\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
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8\/22\/14, 10:51 AM<\/a><\/div>\n
#Duck9<\/a> duck9.com\/blog\/credit-se\u2026<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n


Here is my use of YouTube to convey a message that isn’t credit related<\/span><\/div>\n

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CEO of Duck9<\/div>\n
Stanford University’s Founding EIR (Entrepreneur in Residence)<\/div>\n
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Duck9 = Deep Underground Credit Knowledge 9<\/div>\n
c\/o UCMS Inc<\/div>\n
2021 Midwest Road \/ 3rd FL<\/div>\n
Oak Brook IL<\/div>\n
https:\/\/www.duck9.com\/ass<\/a><\/a><\/div>\n
630-705-5555<\/div>\n
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650-283-8008 (cell)<\/div>\n
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****************<\/div>\n
Founder of “What They Don’t Teach at Business School” for CNN iReport: https:\/\/ireport.cnn.com\/people\/larrychiang<\/a><\/a><\/div>\n
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Author, NY Times Bestseller<\/div>\n
https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller<\/a><\/a><\/div>\n
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“What They Will NEVER Teach You at Stanford Business School about EUTWMPPM @SXSW” comes out 11-11-14<\/div>\n
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https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049<\/a><\/a><\/div>\n
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52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering<\/div>\n
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Emergency swings and cutting deals as an 9 year old<\/div>\n
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<\/a><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

By Larry Chiang Calling a credit bureau preserves zero rights. Writing letters is the only way. For example, CEO of Duck9, Larry (@6502838008) 8\/22\/14, 10:49 AM How do I dispute a debt showing up on my credit report without restarting the clock on it, if it is a legitimate deb\u2026 qr.ae\/5EApc Chiang  Larry Chiang (@LarryChiang) 8\/22\/14, […]<\/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-2527","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\/2527","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=2527"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/2527\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=2527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=2527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=2527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}