{"id":4002,"date":"2015-04-22T22:42:03","date_gmt":"2015-04-23T02:42:03","guid":{"rendered":"https:\/\/www.duck9.com\/?p=4002"},"modified":"2015-04-25T11:10:03","modified_gmt":"2015-04-25T15:10:03","slug":"the-how-and-why-of-31-envelopes-aka-31envelopes","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/the-how-and-why-of-31-envelopes-aka-31envelopes\/","title":{"rendered":"The How and Why of &#8220;31 Envelopes&#8221; {aka #31envelopes}"},"content":{"rendered":"<p>Larry Chiang&#8217;s book, What They Don&#8217;t Teach You At Stanford Business School, has an entire chapter devoted to &#8220;Character Compassing&#8221;. As CEO of Duck9, he helps institutions make credit receivables less risky and plays the other side to by getting college <a href=\"https:\/\/www.101secrets.com\/general-population-credit-knowledge.htm\" target=\"_blank\">consumers get a FICO<\/a> over 750. Post Harvard Law School keynote, Harvard Business wrote: \u201c<a href=\"https:\/\/www.harbus.org\/2009\/What-They-Dont-Teach-4531\/\" target=\"_blank\">What They Don\u2019t Teach You at Stanford Business School<\/a>&#8220;. This post is about, &#8220;College students&#8217; FICO credit score preparation to become appx 748.6&#8221;.<\/p>\n<table style=\"height: 155px;\" width=\"156\" cellpadding=\"10\" align=\"left\">\n<tbody>\n<tr>\n<td width=\"100\"><span class=\"embed-youtube\"><iframe loading=\"lazy\" class=\"youtube-player\" src=\"https:\/\/www.youtube.com\/embed\/QXIaNZi3mHQ?version=3&amp;rel=1&amp;fs=1&amp;showsearch=0&amp;showinfo=1&amp;iv_load_policy=1&amp;wmode=transparent\" width=\"260\" height=\"183\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/span><br \/>\nNY Fashion Week has supermodels getting a high FICO credit score because I supermodel on-the-side<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>I got a question via email from Lucas at University of IL:<\/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\/591021803293671424?refsrc=email&amp;s=11\">4\/22\/15, 4:32 PM<\/a><\/div>\n<div>&#8220;I don&#8217;t quite understand your envelope idea. Why wouldn&#8217;t merely paying off your account do the same thing?&#8221;&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%2331envelopes&amp;src=hash\">#31envelopes<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/p>\n<div>\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\/564837836369571840?refsrc=email&amp;s=11\">2\/9\/15, 9:26 AM<\/a><\/div>\n<div><a href=\"https:\/\/twitter.com\/search?q=%2331envelopes&amp;src=hash\">#31envelopes<\/a>.<br \/>#1 goes to&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23POBox105281ATL30348&amp;src=hash\">#POBox105281ATL30348<\/a>&nbsp;<br \/><a href=\"https:\/\/twitter.com\/search?q=%23poBox105281&amp;src=hash\">#poBox105281<\/a>&nbsp;<br \/>#2- 31 depends on what&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\">#ExpTransFax<\/a>&nbsp;spits back&nbsp;<a href=\"https:\/\/t.co\/6xMiTasQiY\">pic.twitter.com\/6xMiTasQiY<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/div>\n<div>Yes, envelopes #2 &#8211; #31 depend on what Experian, Trans Union and Equifax [<a href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\">#ExpTransFax<\/a>]&nbsp;tell you. They are the oligopoly of credit bureaus. No, the government does not record credit payments.&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\">#ExpTransFax<\/a>&nbsp;are for-profit companies<\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/04\/image23.jpeg\" alt=\"image.jpeg\" id=\"4E1F8643-FE56-4597-8B42-177C1037CA2A\"><\/p>\n<div>\n<div><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);\"><a href=\"https:\/\/www.youtube.com\/watch?v=WVKHwYJzVVc&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\/WVKHwYJzVVc&#038;hl=en&#038;fs=1' \/><\/a><\/span><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);\">This video shows I&#8217;m a fan of technology.&nbsp;<\/span><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);\"><br \/><\/span><\/div>\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\/590176708998795264?refsrc=email&amp;s=11\">4\/20\/15, 8:34 AM<\/a><\/div>\n<div>PO box mail that credit bureaus receive cannot be discarded. Mail that is tampered with, carries a prison term.&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23PObox105281&amp;src=hash\">#PObox105281<\/a>&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%2331envelopes&amp;src=hash\">#31envelopes<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/div>\n<div><\/div>\n<div>Engineering 145 moves you to the right on the entrepreneur bell curve using sequenced business recipes. My mentor taught them to me and I made hashtags to curate those recipes<\/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:\/\/www.youtube.com\/watch?v=eudADPfTWiE&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\/eudADPfTWiE&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<\/div>\n<div><\/div>\n<div><a href=\"https:\/\/www.youtube.com\/watch?v=n5jB310egEI&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\/n5jB310egEI&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div><\/div>\n<div>Gerri Detweiler wrote the &#8220;Ultimate Credit Handbook&#8221;. The hashtag #31envelopes is a signature business recipe for increasing your FICO credit score&nbsp;<\/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>CEO of Duck9<\/div>\n<div>Stanford University&#8217;s Founding EIR (Entrepreneur in Residence)<\/div>\n<div><\/div>\n<div>Duck9 = Deep Underground Credit Knowledge 9<\/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>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><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<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\/590176708998795264?refsrc=email&amp;s=11\">4\/20\/15, 8:34 AM<\/a><\/div>\n<div>PO box mail that credit bureaus receive cannot be discarded. Mail that is tampered with, carries a prison term. <a href=\"https:\/\/twitter.com\/search?q=%23PObox105281&amp;src=hash\">#PObox105281<\/a> <a href=\"https:\/\/twitter.com\/search?q=%2331envelopes&amp;src=hash\">#31envelopes<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>If you&#8217;d like to email me, text me your email address. Text your email address to <a href=\"https:\/\/twitter.com\/6502838008\"><a href=\"https:\/\/twitter.com\/6502838008\" >https:\/\/twitter.com\/6502838008<\/a><\/a>&nbsp;<\/div>\n<div><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/04\/image3.png\" alt=\"image.png\" id=\"DD67D84C-ED00-496F-81E1-917858AFEB3E\"><\/div>\n<div>#CUatSXSW IS Champaign Urbana at SXSW<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Larry Chiang&#8217;s book, What They Don&#8217;t Teach You At Stanford Business School, has an entire chapter devoted to &#8220;Character Compassing&#8221;. As CEO of Duck9, he helps institutions make credit receivables less risky and plays the other side to by getting college consumers get a FICO over 750. Post Harvard Law School keynote, Harvard Business wrote: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,11],"tags":[],"class_list":["post-4002","post","type-post","status-publish","format-standard","hentry","category-foreign-people-fico-score","category-nfl-athletes-fico-score"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/4002","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=4002"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/4002\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=4002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=4002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=4002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}