{"id":6142,"date":"2015-10-20T14:02:38","date_gmt":"2015-10-20T18:02:38","guid":{"rendered":"https:\/\/www.duck9.com\/?p=6142"},"modified":"2015-10-21T19:58:58","modified_gmt":"2015-10-21T23:58:58","slug":"how-exactly-to-date-a-credit-bureau-d-i-s-p-u-t-e-letter","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/how-exactly-to-date-a-credit-bureau-d-i-s-p-u-t-e-letter\/","title":{"rendered":"How exactly to date a credit bureau D-i-s-p-u-t-e letter"},"content":{"rendered":"<p><strong>Larry Chiang is a credit industry expert with a J.B.A. (<a href=\"https:\/\/austinstartuparchive.wordpress.com\/2013\/03\/13\/jba-is-a-jedi-in-business-administration\/\" target=\"_blank\">Jedi Business Administration<\/a>). As Mark McCormack&#8217;s mentee, Chiang started a credit score preparation startup in Illini Tower. He keynoted at Harvard Law causing Harvard Business to write: \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&#8221;<\/a>. Be a Jedi in Business Administration too, by reading the Harvard Business School, &#8220;HARBUS&#8221; posts. They cite and source his mentor&#8217;s book, \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&#8221;<\/a>.<br \/>\n<\/strong><\/p>\n<p><strong><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/wp-content\/uploads\/2011\/12\/cropped-head-shot-no-smile.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-743\" title=\"Larry-Chiang\" src=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/wp-content\/uploads\/2011\/12\/cropped-head-shot-no-smile.jpg\" alt=\"Larry Chiang\" width=\"150\" height=\"150\" \/><\/a><\/strong>By Larry Chiang<\/p>\n<div>\n<div>\n<div>\n<div>\n<div><\/div>\n<div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Mailing a dispute letter oct 22?! Date it Oct 22 minus 15. So Oct 7.<\/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);\">So whatever date you&#8217;re mailing it out. Subtract 15 days on the letter. Yup. The 635 to 748.8 FICO score transition is hilarious.\u00a0<\/span><\/div>\n<\/div>\n<div><\/div>\n<div>How to go from FICO 635 to FICO 748.8. This will serve as the one and only NON COLLEGE STUDENT credit mentorship piece here @Duck9.<\/div>\n<div><\/div>\n<div>Note: Each case will vary. This is for entertainment purposes only. Reading of this website shall not constitute legal advice. Consult a lawyer. Read American credit laws for yourself. Google FCRA. Google all of this before you take this blog post as gospel truth.<\/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);\">Plain paper. Plain white envelopes. Plain American hashtag&#8217;s.\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);\"><i>po box number is critical.<\/i> PoBox4500, 1000, 740256 corresponds to #ExpTransFax (Experian TransUnion Equifax.\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Let me repeat #PObox4500;\u00a0\u00a0#PObox1000;\u00a0\u00a0#PObox740256\u00a0corresponds to #ExpTransFax (Experian TransUnion Equifax. They&#8217;re credit bureaus that form an oligopoly.)<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/p>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Date is wrong. Date =Oct 2. Mail it Oct 17<\/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);\">Mailing it oct 22?! Date it Oct 22 minus 15. So Oct 7.<\/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);\">So whatever date you&#8217;re mailing it out. Subtract 15 days on the letter.\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);\">Go back and re read every line I&#8217;ve sent via email and text. It matters to your credit score.\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);\">PS your PayPal address still has you living in Asia. I&#8217;d update that because\u00a0#ExpTransFax (Experian TransUnion Equifax cares about zip code volatility<\/span><\/div>\n<\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/div>\n<p><a href=\"https:\/\/www.duck9.com\/uncategorized\/how-to-go-from-fico-0-to-fico-800-as-a-17-year-old\/\">https:\/\/www.duck9.com\/uncategorized\/how-to-go-from-fico-0-to-fico-800-as-a-17-year-old\/<\/a><\/p>\n<\/div>\n<div>\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);\">\u00a0<\/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 src=\"https:\/\/www.youtube.com\/v\/eudADPfTWiE&amp;hl=en&amp;fs=1\" type=\"application\/x-shockwave-flash\" width=\"425\" height=\"344\"><\/embed><\/a><\/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);\"><a href=\"https:\/\/www.youtube.com\/watch?v=WVKHwYJzVVc&amp;sns=em\"><embed src=\"https:\/\/www.youtube.com\/v\/WVKHwYJzVVc&amp;hl=en&amp;fs=1\" type=\"application\/x-shockwave-flash\" width=\"425\" height=\"344\"><\/embed><\/a><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Larry Chiang is a credit industry expert with a J.B.A. (Jedi Business Administration). As Mark McCormack&#8217;s mentee, Chiang started a credit score preparation startup in Illini Tower. He keynoted at Harvard Law causing Harvard Business to write: \u201cWhat They Don\u2019t Teach You at Stanford Business School&#8221;. Be a Jedi in Business Administration too, by reading [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"class_list":["post-6142","post","type-post","status-publish","format-standard","hentry","category-deep-underground-credit-knowledge-via-subroutines"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/6142","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=6142"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/6142\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=6142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=6142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=6142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}