{"id":3973,"date":"2015-04-17T17:54:00","date_gmt":"2015-04-17T21:54:00","guid":{"rendered":"https:\/\/www.duck9.com\/?p=3973"},"modified":"2015-04-17T17:56:33","modified_gmt":"2015-04-17T21:56:33","slug":"the-business-model-of-trans-union-and-experian","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/the-business-model-of-trans-union-and-experian\/","title":{"rendered":"The Business Model of Trans Union and Experian"},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>Credit bureaus make money selling derogatory information.&nbsp;<\/div>\n<div><\/div>\n<div>The entire USA credit system is meant to obfuscate the truth from the general population!<\/div>\n<div>&#8211; None of it is common sense<\/div>\n<div>&#8211; few know FCRA&nbsp;<\/div>\n<div>&#8211; most advice is not FCRA compliant<\/div>\n<div>&#8211; technology is not present<\/div>\n<div>&#8211; paper stamps and paper letters (so counterintuitive!) are the tools that work<\/div>\n<div>&#8211; And PO boxes!!!<\/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\/3411684931\/bd26194fa93733b624ec22966dbdb9d9_normal.jpeg\" 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\/564831785767284737?refsrc=email&amp;s=11\">2\/9\/15, 9:02 AM<\/a><\/div>\n<div>1B\/ subroutine of getting a <a href=\"https:\/\/twitter.com\/freecreditrepor\">@freecreditrepor<\/a> &#8220;<a href=\"https:\/\/twitter.com\/search?q=%23POBox105281&amp;src=hash\">#POBox105281<\/a>&#8221; <br \/>= <br \/>[{ Photocopy your drivers license}]<br \/>ATL30348<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div>\n<div><\/div>\n<div>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 &#8220;post office&#8221; box carries a 2-year prison term.&nbsp;<\/div>\n<div><\/div>\n<div>That is the law.&nbsp;<\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/04\/image11.jpeg\" alt=\"image.jpeg\" id=\"460B3423-06B2-4A14-843C-AB45D8F24544\"><\/div>\n<div><a href=\"https:\/\/www.youtube.com\/watch?v=BMyLcDaWazU&amp;feature=youtube_gdata_player\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/BMyLcDaWazU&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div><\/div>\n<div>\n<div>ENGR145&#8217;s video<\/div>\n<div>\n<div style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);\"><a href=\"https:\/\/bit.ly\/buster14512v\"><a href=\"https:\/\/bit.ly\/buster14512v\" >https:\/\/bit.ly\/buster14512v<\/a><\/a> helped me be solo founder of #ExpTransFax<\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<div>CEO of Duck9<\/div>\n<div>&#8220;Deep Underground Credit Knowledge 9&#8221;<\/div>\n<div>c\/o UCMS Inc<\/div>\n<div>2021 Midwest Road \/ 3rd FL<\/div>\n<div>Oak Brook IL<\/div>\n<div><a href=\"https:\/\/www.duck9.com\/ass\"><a href=\"https:\/\/www.duck9.com\/ass\" >https:\/\/www.duck9.com\/ass<\/a><\/a><\/div>\n<div>630-705-5555<\/div>\n<div>650-283-8008 (cell)<\/div>\n<div><\/div>\n<div>****************<\/div>\n<div>Founder of &#8220;What They Don&#8217;t Teach at Business School&#8221;&nbsp;for CNN iReport: <a href=\"https:\/\/ireport.cnn.com\/people\/larrychiang\"><a href=\"https:\/\/ireport.cnn.com\/people\/larrychiang\" >https:\/\/ireport.cnn.com\/people\/larrychiang<\/a><\/a><\/div>\n<div><a href=\"https:\/\/www.youtube.com\/watch?v=QXIaNZi3mHQ\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/QXIaNZi3mHQ&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div><\/div>\n<div>Author, NY Times Bestseller<\/div>\n<div><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller\"><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller\" >https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller<\/a><\/a><\/div>\n<div><\/div>\n<div>&#8220;What They Will NEVER Teach You at Stanford Business School about EUTWMPPM @SXSW&#8221; came out 11-11-14<\/div>\n<div><\/div>\n<div><a href=\"https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049\"><a href=\"https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049\" >https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049<\/a><\/a><\/div>\n<div><\/div>\n<div>52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering<\/div>\n<div><a href=\"https:\/\/www.youtube.com\/watch?v=vDBY0GkI3-g&amp;feature=youtube_gdata_player\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/vDBY0GkI3-g&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div><\/div>\n<div>Emergency swings and cutting deals as an 9 year old<\/div>\n<div><\/div>\n<div><a href=\"https:\/\/www.youtube.com\/watch?v=OFGY7v9C4G0&amp;feature=youtube_gdata_player\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/OFGY7v9C4G0&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang Credit bureaus make money selling derogatory information.&nbsp; The entire USA credit system is meant to obfuscate the truth from the general population! &#8211; None of it is common sense &#8211; few know FCRA&nbsp; &#8211; most advice is not FCRA compliant &#8211; technology is not present &#8211; paper stamps and paper letters (so [&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-3973","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\/3973","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=3973"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/3973\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=3973"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=3973"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=3973"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}