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<\/a> No self respecting car salesman (aka floor whore) gets excited about “an UP” that walks in looking 16 years old\n11c\/ If you bring in your own credit reports from ExpTransFax, that works too. Experian, TransUnion, Equifax.<\/p>\n
By Larry Chiang<\/p>\n
This was originally published over at Facebook.<\/p>\n
Shopping for credit hurts your credit.<\/p>\n
Yup, shopping for a loan hurts your credit score because that is how the system is set up against you. Do not blame the messenger, HATE THE GAME. While I may mix metaphors, this Facebook note I am writing exposes the Game-within-a-game. By game I mean “shopping for a credit card”, ‘shopping for a mortgage’ or [shopping for an automobile loan]. By game, I mean raising your credit score while shopping for a car loan versus the old way where shopping damages.<\/p>\n
This offer is good to Facebook friends who have liked at least 20 of my updates \ud83d\ude42<\/p>\n
NOTE: FTC will clarify their ruling but #LarryChiang is not selling or re-selling Experian, Trans Union Equifax credit data. I am merely adding in an email address to Experian credit report data, Trans Union credit bureau summary of you and Equifax’s credit report on you. We at #duck9 are simply adding in an email address after the consumer executes #PObox105281 (a consumer inquiry which does not negatively impact credit score).<\/p>\n
API on. API off.
\n{insert $3.49 paypal button HERE ;-} JK, PayPal the exact amount to my Paypal account, “650-283-8008”. Get it?! You’re two cents short of my two cents [See below for the $3.51}
\n1. Get a stamp.<\/p>\n
\/1a\/ This involves going to eBay and buying the Pixar stamps for 49c\/stamp<\/p>\n
1b\/ Text me a pic of the stamps.<\/p>\n
2. get a #10 envelope<\/p>\n
3. get a FTC form that you print out, fill in completely and mail in.<\/p>\n
4. photocopy your drivers license or US passport.<\/p>\n
5. place the stuff inside #10 envelope and write, “#PObox105281 (extra credit if you use a pixar stamp so they don’t screw with you. Pixar implies youre getting mentored by #LarryChiang)<\/p>\n
6. Time. Will. Pass.<\/p>\n
7. Get the credit report in the mail.<\/p>\n
8. Email me a video of your credit report or snapChat a video of your credit report to @larrychiang on SnapChat. Lawrence.chiang@gmail.com<\/p>\n
9. Photocopy your full credit reports<\/p>\n
10. Mail the full credit reports to me in Palo Alto so that I can fax your credit report to lenders you are shopping at. Yes, I said Fax. Yes, I am tech savvy enough to speak at tech conferences. Facsimiliation works because American credit laws are from 1970s. Don’t laugh: American stock laws are from the 1930s<\/p>\n
11. Text me which lenders fax numbers you want me to fax to.<\/p>\n
11a. When you ask the lender, “Whats your fax number?” The lender thinks he’s getting lawyer correspondence or that youre in-the-industry.<\/p>\n
11b. When you are under 25 and ask for a Fax Number, you get taken seriously at the car dealership even if you’re an Asian woman in her middle 30s that looks 17 years old<\/p>\n 11c\/ If you bring in your own credit reports from ExpTransFax, that works too. Experian, TransUnion, Equifax.<\/p>\n<\/a> No self respecting car salesman (aka floor whore) gets excited about “an UP” that walks in looking 16 years old\n