{"id":6085,"date":"2015-10-15T14:04:11","date_gmt":"2015-10-15T18:04:11","guid":{"rendered":"https:\/\/www.duck9.com\/?p=6085"},"modified":"2015-10-15T14:06:49","modified_gmt":"2015-10-15T18:06:49","slug":"fcra-so-complex-and-technical-that-state-ags-get-it-wrong","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/fcra-so-complex-and-technical-that-state-ags-get-it-wrong\/","title":{"rendered":"FCRA. So complex and technical that state AG&#8217;s get it wrong"},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>Just skip reading this blog post like you did not read FCRA (Fair Credit Reporting Act)&#8230;, AND JUST DO WHAT I TEXT YOU TO DO!!!<\/div>\n<div><\/div>\n<div>Okay, Greg Abbott. He is now governor. He was attorney general. They have networking sessions where they mentor each other annually at NATIONAL ASSOC of AG&#8217;s. NAAG.&nbsp;<\/div>\n<div><\/div>\n<div>I can&#8217;t make this up.&nbsp;<\/div>\n<div><\/div>\n<div>Anyway, I saw his name pop up because<\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image211.jpg\" alt=\"image2.JPG\" id=\"E511DA6C-3892-4B39-95B0-EF1C4922F9DF\"><\/div>\n<div><\/div>\n<div>He fired off that tweet prematurely&#8230;.<\/div>\n<div><\/div>\n<div>Because the royals defeated Houston<\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image37.jpg\" alt=\"image3.JPG\" id=\"EBA2514D-D5FF-41A5-A0F4-3FD9A82D0B86\"><\/div>\n<div>(In Ewing Kauffman stadium also)<\/div>\n<div><\/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\/613751289587957760\/ZN0VKUOa_normal.jpg\" 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\/654715317965336576?refsrc=email&amp;s=11\">10\/15\/15, 10:47 AM<\/a><\/div>\n<div>&#8220;I see a governor that mistakenly read FCRA. He was Atty Gen at the time.&#8221; <a href=\"https:\/\/twitter.com\/LarryChiang\">@LarryChiang<\/a> CC <a href=\"https:\/\/twitter.com\/NAPBS\">@NAPBS<\/a> <a href=\"https:\/\/t.co\/WCXEJrDZmV\"><span>pic.twitter.com\/WCXEJrDZmV<\/span><\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image41.png\" alt=\"image4.PNG\" id=\"3D3184E5-9D4C-4CA2-9BAA-8617518C7981\"><br \/>FCRA is a super old law. It&#8217;s not a new law.&nbsp;<\/div>\n<div><\/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\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/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 href=\"https:\/\/twitter.com\/larrychiang\/status\/653716300779229184?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">10\/12\/15, 4:38 PM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">read Gov Abbott&#8217;s coverage of FCRA also&#8230;&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23astrosTwitter&amp;src=hash\">#astrosTwitter<\/a>&nbsp;<a href=\"https:\/\/t.co\/vLzvAPOCY4\">ftw.usatoday.com\/2015\/10\/housto\u2026<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><a href=\"https:\/\/twitter.com\/download?ref_src=MailTweet-iOS\">Download<\/a>&nbsp;the Twitter app<\/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\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/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 href=\"https:\/\/twitter.com\/larrychiang\/status\/590977746668400640?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">4\/22\/15, 1:37 PM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Omg, Greg Abbott is TX governor now&#8230;&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23FCRA&amp;src=hash\">#FCRA<\/a>&nbsp;FCRA was passed in &#8220;1970&#8221;. Amended 2008&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23LCECSPA&amp;src=hash\">#LCECSPA<\/a>&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23PObox105281&amp;src=hash\">#PObox105281<\/a>&nbsp;<a href=\"https:\/\/t.co\/XOtGutlDG7\">texasattorneygeneral.gov\/agency\/weeklya\u2026<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>Amend dates and bill passage matter greatly because &#8220;state of technology during bill passage goes to the state of mind of a bills co-authors.&#8221;<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">&#8212; Larry Chiang<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Let me repeat, FCRA is so EFFEN old that it requires you to mail mail via usa postal system. FCRA doesn&#8217;t have email or web provision.&nbsp;<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">I&#8217;m in hell&#8230;<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image51.jpg\" alt=\"image5.JPG\" id=\"16D85909-C793-4B7B-8BBC-D6923C00ED6B\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Pet my puppy.&nbsp;<\/span><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image6.jpg\" alt=\"image6.JPG\" id=\"0F123B8F-2569-4F39-8F1A-8A348251A70C\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Pet my puppy.&nbsp;<\/span><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image7.jpg\" alt=\"image7.JPG\" id=\"4EDF2F2A-6BA9-48FC-B9D4-0A72A6DAC98B\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Petting my puppy soothes me from the general populations disconnect from not really understanding credit, credit score and FCRA. I guess keep paying us $600 to prep your FICO?!? OR JUST DO IT ON YOUR EFFEN OWN!!!<\/span><\/div>\n<div><\/p>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">This site is targeted at college grads and young professionals, contains user contributed content, and material that may be confusing to a lay audience.<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&amp;sns=em\"><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><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/www.youtube.com\/watch?v=WVKHwYJzVVc&amp;sns=em\"><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=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang Just skip reading this blog post like you did not read FCRA (Fair Credit Reporting Act)&#8230;, AND JUST DO WHAT I TEXT YOU TO DO!!! Okay, Greg Abbott. He is now governor. He was attorney general. They have networking sessions where they mentor each other annually at NATIONAL ASSOC of AG&#8217;s. NAAG.&nbsp; [&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-6085","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\/6085","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=6085"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/6085\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=6085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=6085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=6085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}