{"id":4966,"date":"2015-06-21T13:14:22","date_gmt":"2015-06-21T17:14:22","guid":{"rendered":"https:\/\/www.duck9.com\/?p=4966"},"modified":"2015-06-22T17:23:52","modified_gmt":"2015-06-22T21:23:52","slug":"what-they-dont-teach-you-at-credit-karma","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/what-they-dont-teach-you-at-credit-karma\/","title":{"rendered":"What They Don&#8217;t Teach You at Credit Karma"},"content":{"rendered":"<p><strong>Larry Chiang took Garry Tan&#8217;s advice at a holiday party TellApart was hosting. Garry Tan mentored Larry Chiang to be a &#8220;semi pro computer scientist&#8221;. Legendarily, Chiang came up with an External &#8216;Application Protocol Interface&#8217; (#externalAPI) for the credit monopoly, Fair Isaac. Chiang did so by protocol interfacing a consumer credit score from outside of the FICO algorithm. Before teaching &#8220;CS183X&#8221;, he co-founded Duck9 as a NY Times bestselling, credit guru. His book is even optioned to Hollywood. <a href=\"https:\/\/www.amazon.com\/What-Teach-Stanford-Business-School\/dp\/0615301487\/\" target=\"_blank\">WTDTYASBS&#8217;s<\/a> has scene treatments and a pitch inside of the NY Times bestselling book. He&#8217;s testified before Congress and has hundreds and hundreds of TV appearances. He has two mentors he mentions, over-and-over, per press interview: Gerri Detweiler and Mark McCormack of, \u201c<a href=\"https:\/\/www.amazon.com\/What-Teach-Harvard-Business-School\/dp\/0553345834\" target=\"_blank\">What They Don\u2019t Teach You at Harvard Business School<\/a>&#8221; fame. As a semi pro CS practitioner, he ate his own dog food by taking his own advice: &#8220;<a href=\"https:\/\/www.duck9.com\/credit-bureau-disputes\/follow-your-cs183b-effort-not-your-passion\/\" target=\"_blank\">Follow Your CS183b Effort, Not Your Passion<\/a>&#8221; <a href=\"https:\/\/twitter.com\/search?q=%23CS183B\" target=\"_blank\">#CS183B<\/a>.<br \/>\n<\/strong><\/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 \/>\n&#8220;Fashion Week (Sept 10-20) is like #LeadGen in Las Vegas. Cuz they&#8217;re cool places to launch new deals.&#8221;<br \/>\n&#8212; Larry Chiang<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>By Larry Chiang<\/p>\n<p>$45<\/p>\n<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>I wanna lead off with the fact that me and Mike Arrington are fans of Kenneth Lin&#8217;s\u00a0<b style=\"background-color: rgba(255, 255, 255, 0);\">Credit Karma (<a href=\"https:\/\/twitter.com\/creditkarma?refsrc=email&amp;s=11\">@creditkarma<\/a>)<\/b><br \/>\nIt helped Mike get an Amex SPG&#8211;<\/div>\n<div><img decoding=\"async\" id=\"BB8F8C27-5761-4F2D-BAE3-ABF0C7705E2A\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/06\/image116.jpg\" alt=\"image1.JPG\" \/><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u00a0<\/span><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">This article was in US News and World Report:<\/span><\/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\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/596434437899849728\/MmspcILg_normal.png\" alt=\"\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Credit Karma (<a href=\"https:\/\/twitter.com\/creditkarma?refsrc=email&amp;s=11\">@creditkarma<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/creditkarma\/status\/611656016552423424?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">6\/18\/15, 3:05 PM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">How to dispute errors on your credit report:\u00a0<a href=\"https:\/\/t.co\/famJuPpLX8\">bit.ly\/1oKYzzS<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\nI&#8217;d like to be the person that augments this post with a bit of &#8220;technology&#8221;<br \/>\n<\/span><\/p>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">@creditkarma &#8211;[#POBox105281]\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Let me repeat,\u00a0<\/span><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\"><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/search?q=%23POBox105281&amp;src=hash\">#POBox105281<\/a>\u00a0is a piece of technology because it&#8217;s a hashtag. It links to a set of &#8220;subroutines&#8221; to augment, hack, improve, raise and augment your FICO score.\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\">\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\">In short,\u00a0<\/span><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\"><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\">#ExpTransFax<\/a>\u00a0and\u00a0<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23POBox105281&amp;src=hash\">#POBox105281<\/a>\u00a0are smart ass ways for me to communicate that FCRA requires you to Application Protocol Interface with\u00a0\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\">#ExpTransFax<\/a>\u00a0using\u00a0<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23POBox4500&amp;src=hash\">#POBox4500<\/a>\u00a0Allen TX 75013<br \/>\n<a href=\"https:\/\/twitter.com\/search?q=%23POBox2000&amp;src=hash\">#POBox2000<\/a>\u00a0Chester PA 19022<br \/>\n<a href=\"https:\/\/twitter.com\/search?q=%23POBox740256&amp;src=hash\">#POBox740256<\/a>\u00a0ATL 30374<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">experian<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23POBox4500&amp;src=hash\">#POBox4500<\/a>\u00a0<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">Allen TX 75013<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">trans union<br \/>\n<a href=\"https:\/\/twitter.com\/search?q=%23POBox2000&amp;src=hash\">#POBox2000<\/a>\u00a0<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">Chester PA 19022<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">equifax<br \/>\n<a href=\"https:\/\/twitter.com\/search?q=%23POBox740256&amp;src=hash\">#POBox740256<\/a>\u00a0<\/span><\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">ATL GA 30374<\/span><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\">\u00a0<\/span><\/div>\n<div><img decoding=\"async\" id=\"94F0792F-A2C8-41E2-A282-A47F1307E36A\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/06\/image21.png\" alt=\"image2.PNG\" \/><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\"><br \/>\n<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\">Big fan of augmentation. My butt made this selfie at Kauffman Center for VC Education. Stanford CS majors were co-hosting. Mona Brooks and Valeria<\/p>\n<p><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\">What credit karma doesn&#8217;t teach is the hashtag:<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">#ExpTransFax\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Experian-TransUnion-Equifax<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">#PObox4500 #PObox2000 #PObox740256\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\"><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\">#ExpTransFax<\/a>\u00a0is disgusting. Disgustingly funny! Disgustingly hiLarryAss!!<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/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\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/361307546\/larry-chiang9-duck9-business-card_normal.jpg\" alt=\"\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">CEO of Duck9, Larry (<a href=\"https:\/\/twitter.com\/6502838008?refsrc=email&amp;s=11\">@6502838008<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/6502838008\/status\/610808122316161024?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">6\/16\/15, 6:56 AM<\/span><\/a><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23POBox105281&amp;src=hash\">#POBox105281<\/a>\u00a0ATL GA 30348\u00a0<a href=\"https:\/\/twitter.com\/freecreditrepor\">@freecreditrepor<\/a><br \/>\n<a href=\"https:\/\/twitter.com\/search?q=%23POBox4500&amp;src=hash\">#POBox4500<\/a>\u00a0Allen TX 75013<br \/>\n<a href=\"https:\/\/twitter.com\/search?q=%23POBox2000&amp;src=hash\">#POBox2000<\/a>\u00a0Chester PA 19022<br \/>\n<a href=\"https:\/\/twitter.com\/search?q=%23POBox740256&amp;src=hash\">#POBox740256<\/a>\u00a0ATL 30374<br \/>\n<a href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\">#ExpTransFax<\/a><\/span><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n\ud83d\ude42<\/span><\/p>\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\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/3411684931\/bd26194fa93733b624ec22966dbdb9d9_normal.jpeg\" alt=\"\" \/><\/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 style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/larrychiang\/status\/610677276187885568?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">6\/15\/15, 10:16 PM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">101 Secrets to Boost FICO Credit Scores\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23PObox105281&amp;src=hash\">#PObox105281<\/a>\u00a0\u00a0<a href=\"https:\/\/t.co\/hAjQetHVYb\">101secrets.com\/general-popula\u2026<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\nKinda true Ben Gold. Kinda true.<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\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/378800000543768602\/eb31bc1bc59f940c73c0a907e9ad774a_normal.png\" alt=\"\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Ben Gold (<a href=\"https:\/\/twitter.com\/bengold?refsrc=email&amp;s=11\">@bengold<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/bengold\/status\/611178756787556352?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">6\/17\/15, 7:29 AM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Pretty cool that all credit score and credit report sites are a scam.<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<img decoding=\"async\" id=\"341CE682-F81F-4096-B9BC-8B50E7D5E011\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/06\/image32.png\" alt=\"image3.PNG\" \/><\/span><\/p>\n<\/div>\n<div>Thank you Kaitlyn Reed, Bryan Irace, Ryan Jones and &#8220;Nate&#8221;!!!<\/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\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/3411684931\/bd26194fa93733b624ec22966dbdb9d9_normal.jpeg\" alt=\"\" \/><\/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\/612664693295988736?refsrc=email&amp;s=11\">6\/21\/15, 9:53 AM<\/a><\/div>\n<div>It\u2019s just me, Ken and Aaron holding down the fort. <a href=\"https:\/\/t.co\/L5UQCFMvQ4\">duck9.com\/blog\/uncategor\u2026<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a href=\"https:\/\/twitter.com\/download?ref_src=MailTweet-iOS\">Download<\/a> the Twitter app for more things\u00a0<span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\"><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\">#ExpTransFax<\/a>\u00a0<\/span><\/p>\n<\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\">\u00a0<\/span><\/div>\n<div><img decoding=\"async\" id=\"2BF62FFC-933D-4BD1-8805-7B61DDEDDD7E\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/06\/image4.jpg\" alt=\"image4.JPG\" \/><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u00a0#Belfie {<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">Photo credit Larry Chiang}<\/span><\/div>\n<div>\n<p>butt-selfie.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Larry Chiang took Garry Tan&#8217;s advice at a holiday party TellApart was hosting. Garry Tan mentored Larry Chiang to be a &#8220;semi pro computer scientist&#8221;. Legendarily, Chiang came up with an External &#8216;Application Protocol Interface&#8217; (#externalAPI) for the credit monopoly, Fair Isaac. Chiang did so by protocol interfacing a consumer credit score from outside of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31,40],"tags":[],"class_list":["post-4966","post","type-post","status-publish","format-standard","hentry","category-credit-underwriting-risk-mitigation","category-deep-underground-credit-knowledge-via-subroutines"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/4966","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=4966"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/4966\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=4966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=4966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=4966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}