{"id":4783,"date":"2015-06-12T12:45:15","date_gmt":"2015-06-12T16:45:15","guid":{"rendered":"https:\/\/www.duck9.com\/?p=4783"},"modified":"2015-06-12T12:46:52","modified_gmt":"2015-06-12T16:46:52","slug":"use-a-po-box-you-must","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/use-a-po-box-you-must\/","title":{"rendered":"Use a PO Box, you must"},"content":{"rendered":"<div>\n<div><\/div>\n<div><span class=\"Apple-style-span\" style=\"font-family: '.Helvetica NeueUI'; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); font-size: 16px; line-height: 20px; \"><\/p>\n<div><span class=\"Apple-style-span\" style=\"font-family: Helvetica; line-height: normal; font-size: 17px; \"><a href=\"https:\/\/www.youtube.com\/watch?v=ejeIz4EhoJ0&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\/ejeIz4EhoJ0&#038;hl=en&#038;fs=1' \/><\/a><\/span><\/div>\n<div><span class=\"Apple-style-span\" style=\"font-family: Helvetica; line-height: normal; font-size: 17px; \"><\/span>By Larry Chiang<\/div>\n<div><\/div>\n<div>Fair Credit Reporting Act (FCRA) is a law I regurgitated to lawmakers. I&#8217;m an expert credit industry witness because I am one of the few that read FCRA. Thus, when I helped #HR627 and #HR3606 pass, it was on the basis of FCRA.&nbsp;<\/div>\n<div><\/div>\n<div>Just like actors watch movies before they are in movies. I regurgitated laws before I drafted bills.<\/div>\n<div><\/div>\n<div>Answer: Use a PO Box, you must.<\/div>\n<div>Question: What should I do about a car repo?<\/div>\n<div><\/div>\n<div>USE A PO BOX, YOU MUST.<\/div>\n<div><\/div>\n<div>I purposefully tweet like Yoda because&#8230;<\/div>\n<div><\/div>\n<div>&#8220;A Jedi can write on their Experian credit report like you write on paper.&#8221;<\/div>\n<div>&#8212; Larry Chiang<\/div>\n<div><span class=\"Apple-style-span\" style=\"font-family: Helvetica; line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); font-size: 17px; \"><a href=\"https:\/\/www.Twitter.com\/LarryChiang\"><a href=\"https:\/\/www.Twitter.com\/LarryChiang\" >https:\/\/www.Twitter.com\/LarryChiang<\/a><\/a><\/span><\/div>\n<div><span class=\"Apple-style-span\" style=\"font-family: Helvetica; line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); font-size: 17px; \"><br \/><\/span><\/div>\n<div><span class=\"Apple-style-span\" style=\"font-family: Helvetica; line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); font-size: 17px; \">QUESTION:<\/span><\/div>\n<div><span class=\"Apple-style-span\" style=\"font-family: Helvetica; line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); font-size: 17px; \"><br \/><\/span><\/div>\n<div>1\/7 Due to hard times, my car was charged off and repoed (repossessed) #PObox105281<\/div>\n<div>#PObox60511&nbsp;<\/div>\n<div><\/div>\n<div>3\/7 is the bank allowed to keep reporting the charge off as a write off closed and delinquent<\/div>\n<div>#PObox105281<\/div>\n<div>#PObox60511 = capOne<\/div>\n<p><\/span><br \/><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); \"><\/p>\n<div>\n<div><\/div>\n<\/div>\n<div>Fashion Week&#8217;s front row has models that I whisper 1-0-5-2-8-1<\/div>\n<div><a href=\"https:\/\/www.youtube.com\/watch?v=QXIaNZi3mHQ&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\/QXIaNZi3mHQ&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div>Larry Chiang,&nbsp;Supermodel, Taught Harvard MBAs About Credit: <a href=\"https:\/\/www.slideshare.net\/larrychiang\/what-a-super-model-can-teach-a-harvard-mba-about-credit\"><a href=\"https:\/\/www.slideshare.net\/larrychiang\/what-a-super-model-can-teach-a-harvard-mba-about-credit\"><a href=\"https:\/\/www.slideshare.net\/larrychiang\/what-a-super-model-can-teach-a-harvard-mba-about-credit\" >https:\/\/www.slideshare.net\/larrychiang\/what-a-super-model-can-teach-a-harvard-mba-about-credit<\/a><\/a><\/a><\/div>\n<div>&#8230;And blogged about the Fifth Epiphany&nbsp;<\/div>\n<div><a href=\"https:\/\/bit.ly\/vc0311b\"><a href=\"https:\/\/bit.ly\/vc0311b\" >https:\/\/bit.ly\/vc0311b<\/a><\/a><\/div>\n<div><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); font-size: 13px; border-collapse: collapse; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; -webkit-text-size-adjust: 100%; \"><b>anonymous<\/b>&nbsp;asked you to answer. Earn<b>&nbsp;25 credits<\/b>&nbsp;for answering.<a href=\"https:\/\/www.quora.com\/qemail\/track_click?uid=LhvMw0wM5ly&amp;al_imp=%7B%22hash%22%3A+-247994509%2C+%22type%22%3A+35%7D&amp;aoid=bIiG3ypTZ54&amp;aoty=2&amp;et=16&amp;al_pri=QuestionLinkClickthrough&amp;id=WZlWpEvhAJ3JBWDRLU4a7w%3D%3D&amp;ct=1434096657916232&amp;src=1&amp;click_pos=1&amp;st=1434096657916259&amp;v=0&amp;aty=4\" style=\"text-decoration: none; display: block; font-size: 19px; letter-spacing: -0.5px; line-height: 1.25; font-weight: bold; color: rgb(21, 95, 173); \">If you get your car loan reinstated, is the bank allowed to keep reporting the charge off as a write off closed and delinquent account even though monthly payments have resumed?<\/a><b>Question Details:<\/b><\/p>\n<p style=\"margin-top: 1em; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; \">\n<ul>\n<li>\n<div><a href=\"https:\/\/qph.is.quoracdn.net\/main-qimg-db04c7b378cb2db912c3ba8a5a774ee3?convert_to_webp=true&amp;imgrsz=0\" style=\"text-decoration: none; \"><img decoding=\"async\" src=\"https:\/\/qph.is.quoracdn.net\/main-qimg-db04c7b378cb2db912c3ba8a5a774ee3?convert_to_webp=true&amp;imgrsz=0\" src_w=\"1\" src_h=\"1\" style=\"height: auto; line-height: 13px; outline-width: 0px; outline-style: initial; outline-color: initial; text-decoration: none; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; \"><\/a><\/div>\n<p>I missed a few payments due to hard times and so my car was charged off and repoed<\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li>The day it was repoed I paid all the months I missed + all fees making my account current, and loan reinstated. I immediately got my car back&#8230;<\/li>\n<\/ul>\n<p><\/span><\/div>\n<p><\/span>ANSWER: American Express hosts me mentoring you about FICO scores at New York Fashion Week<\/p>\n<div><a href=\"https:\/\/t.co\/inxTmZAj\"><a href=\"https:\/\/t.co\/inxTmZAj\" >https:\/\/t.co\/inxTmZAj<\/a><\/a>&nbsp;<\/div>\n<div><\/div>\n<div>ANSWER: Have your lawyer paypal me $705.55 and I&#8217;ll do them a special consult. Sorry, I can&#8217;t take 705.55 from you directly for the car-loan-repo-countermeasure&nbsp;<\/p>\n<div><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); \"><br \/><\/span><\/div>\n<div><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469);\"><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375);\">Paypal account for 705.55 transfer is&nbsp;<\/span><\/span><\/div>\n<div>\n<div><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); \"><a href=\"mailto:Larry@CEO\">Larry@CEO<\/a> of <a href=\"https:\/\/Duck9.com\"><a href=\"https:\/\/Duck9.com\">Duck9.com<\/a><\/a><\/span><\/p>\n<div><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); \">Founding EIR @Stanford<\/span><\/div>\n<div><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); \"><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); \"><\/p>\n<div>STANFORD video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve&nbsp;<\/div>\n<div><\/div>\n<div><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<p><\/span><\/span><\/p>\n<div><\/div>\n<div>Duck9 = &#8220;Deep Underground Credit Knowledge&#8221; 9<\/div>\n<div><a href=\"https:\/\/www.duck9.com\/blog\"><a href=\"https:\/\/www.duck9.com\/blog\" >https:\/\/www.duck9.com\/blog<\/a><\/a><\/div>\n<div>630-705-5555<\/div>\n<div><span class=\"Apple-style-span\" style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469);\"><br \/><\/span><\/div>\n<div>Editor of the widely syndicated &#8220;What They Don&#8217;t Teach at School&#8221;<\/div>\n<div><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\"><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\" >https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog<\/a><\/a><\/div>\n<div><\/div>\n<div>CNN Video Channel:&nbsp;<a href=\"https:\/\/ireport.cnn.com\/people\/larrychiang\"><a href=\"https:\/\/ireport.cnn.com\/people\/larrychiang\"><a href=\"https:\/\/ireport.cnn.com\/people\/larrychiang\" >https:\/\/ireport.cnn.com\/people\/larrychiang<\/a><\/a><\/a><\/div>\n<div><\/div>\n<div>Read my last 10 tweets at <a href=\"https:\/\/www.Twitter.com\/LarryChiang\"><a href=\"https:\/\/www.Twitter.com\/LarryChiang\"><a href=\"https:\/\/www.Twitter.com\/LarryChiang\" >https:\/\/www.Twitter.com\/LarryChiang<\/a><\/a><\/a><\/div>\n<div><\/div>\n<div>Author, NY Times Bestseller (09-09-09 release of WTDTYASBS)<\/div>\n<p><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>\n<p><a href=\"https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049\"><a href=\"https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049\" >https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049<\/a><\/a><\/p>\n<div><\/p>\n<div>\n<div>52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering<\/div>\n<div><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' \/><\/div>\n<div><\/div>\n<div>Emergency swings and cutting deals as an 9 year old<\/div>\n<div><\/div>\n<div><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' \/><\/div>\n<div><\/div>\n<div>Hunter Pence shared thoughts before winning WORLD SERIES&#8217; Game #7<\/div>\n<p><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/usu0luYy9pw&#038;hl=en&#038;fs=1' \/><\/p>\n<div><\/div>\n<div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang Fair Credit Reporting Act (FCRA) is a law I regurgitated to lawmakers. I&#8217;m an expert credit industry witness because I am one of the few that read FCRA. Thus, when I helped #HR627 and #HR3606 pass, it was on the basis of FCRA.&nbsp; Just like actors watch movies before they are in [&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-4783","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\/4783","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=4783"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/4783\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=4783"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=4783"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=4783"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}