{"id":7893,"date":"2016-05-11T12:33:09","date_gmt":"2016-05-11T16:33:09","guid":{"rendered":"https:\/\/www.duck9.com\/?p=7893"},"modified":"2016-05-12T11:03:22","modified_gmt":"2016-05-12T15:03:22","slug":"tracy-chous-open-data-tweet","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/tracy-chous-open-data-tweet\/","title":{"rendered":"Tracy Chou&#8217;s Open Data Tweet (and its implications for FICO score)"},"content":{"rendered":"<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\/716956426430726144\/UeCQNaRs_normal.jpg\" alt=\"\" \/><\/td>\n<td><b>Tracy Chou (<a href=\"https:\/\/twitter.com\/triketora?refsrc=email&amp;s=11\">@triketora<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/triketora\/status\/730411099778998273?refsrc=email&amp;s=11\">5\/11\/16, 7:55 AM<\/a><\/div>\n<div>NYPD was systematically ticketing legally parked cars for millions of dollars\/year- open data just put an end to it <a href=\"https:\/\/t.co\/kZ2XtPPWVk\">iquantny.tumblr.com\/post\/144197004\u2026<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>By Larry Chiang<\/p><\/div>\n<div><\/div>\n<div>Transparency shines light on a lot of things. I work in credit where a municipal collection damages your FICO at minus 80. Yup a &#8220;9&#8221; on your credit report because of a bogus parking ticket will ding your credit score over 50 points. Transparency coupled with written disputes can help you and your FICO score.<\/p>\n<p>This is business school level knowledge about credit scores that is technical and detailed in nature.<\/p><\/div>\n<div><\/div>\n<div>\n<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\/716956426430726144\/UeCQNaRs_normal.jpg\" alt=\"\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Tracy Chou (<a href=\"https:\/\/twitter.com\/triketora?refsrc=email&amp;s=11\">@triketora<\/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\/triketora\/status\/730411099778998273?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">5\/11\/16, 7:55 AM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">NYPD was systematically ticketing legally parked cars for millions of dollars\/year- open data just put an end to it\u00a0<a href=\"https:\/\/t.co\/kZ2XtPPWVk\">iquantny.tumblr.com\/post\/144197004\u2026<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><\/p>\n<p><\/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\/708859179059036160\/OnxXY1go_normal.jpg\" alt=\"\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Connor Montgomery (<a href=\"https:\/\/twitter.com\/connor?refsrc=email&amp;s=11\">@connor<\/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\/connor\/status\/730412907171717120?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">5\/11\/16, 8:03 AM<\/span><\/a><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/triketora\">@triketora<\/a>\u00a0I &lt;3\u00a0<a href=\"https:\/\/twitter.com\/IQuantNY\">@IQuantNY<\/a><\/span><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\nThe address 575 Ocean Ave =\u00a0<\/span><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/search?q=%23575OceanAve&amp;src=hash\"><span style=\"color: #000000;\">#575OceanAve<\/span><\/a><span style=\"background-color: rgba(255, 255, 255, 0);\"><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\/613751289587957760\/ZN0VKUOa_normal.jpg\" 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\/730430156909613056?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">5\/11\/16, 9:11 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=%23575OceanAve&amp;src=hash\">#575OceanAve<\/a>\u00a0cc\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23poBox105281&amp;src=hash\">#poBox105281<\/a>*\u00a0<a href=\"https:\/\/twitter.com\/search?q=%232700OgdenAvenue&amp;src=hash\">#2700OgdenAvenue<\/a>**<\/span><\/span><\/div>\n<div><\/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=\"E68A1AE4-C051-47BB-BA3F-2DD0E57DBF1E\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/05\/image118.jpg\" alt=\"image1.JPG\" \/><br \/>\nThe lowly us postage stamp is like a jedi light sabre.\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n*Click\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=%23poBox105281&amp;src=hash\">#poBox105281<\/a>\u00a0to see where it leads {it&#8217;s a repository of signature business recipes for disputing, editing and augmenting your credit report.}<\/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);\">**click\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=%232700OgdenAvenue&amp;src=hash\">#2700OgdenAvenue<\/a><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">leads to a repository of open sourced recipes for your credit report by mailing mail to\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=%23PObox5382&amp;src=hash\">#PObox5382<\/a>. Tollway authority is required to read and react to mail. On the telephone they can white-lie and put you on <b>permanent hold<\/b>.\u00a0<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\"><\/p>\n<p><\/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\/613751289587957760\/ZN0VKUOa_normal.jpg\" 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\/730415518641840128?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">5\/11\/16, 8:13 AM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">NYPD relies on: Many can&#8217;t run American protocol; written &#8220;dispute bc I was correct&#8221; cc\u00a0<a href=\"https:\/\/twitter.com\/search?q=%232700ogdenAvenue&amp;src=hash\">#2700ogdenAvenue<\/a>\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23PObox5382&amp;src=hash\">#PObox5382<\/a>\u00a0<a href=\"https:\/\/t.co\/TLVLPIOu6M\">twitter.com\/triketora\/stat\u2026<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\nMe and Obi Wan Kenobi use old tech tools for legendary results.<br \/>\n<img decoding=\"async\" id=\"B56DB39E-3C83-4F68-897B-ED07CD6293EA\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/05\/image212.jpg\" alt=\"image2.JPG\" \/><br \/>\n<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0); color: #000000;\">Make this blue box roar\u00a0<a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/search?q=%23PObox5382&amp;src=hash\">#PObox5382<\/a><\/span><\/div>\n<\/div>\n<div><\/div>\n<div><img decoding=\"async\" id=\"ED032DFA-CC9A-4D2F-9B1C-97B8F4C890B3\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/05\/image35.jpg\" alt=\"image3.JPG\" \/><\/div>\n<div><\/div>\n<div>The NYPD business model is wrote a bogus ticket. Send to internal collections at 3-5x the original. Wait for payday at your mortgage closing<\/div>\n<div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Tracy Chou (@triketora) 5\/11\/16, 7:55 AM NYPD was systematically ticketing legally parked cars for millions of dollars\/year- open data just put an end to it iquantny.tumblr.com\/post\/144197004\u2026 By Larry Chiang Transparency shines light on a lot of things. I work in credit where a municipal collection damages your FICO at minus 80. Yup a &#8220;9&#8221; on [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-7893","post","type-post","status-publish","format-standard","hentry","category-business-school-level-knowledge-about-credit-scores"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/7893","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=7893"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/7893\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=7893"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=7893"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=7893"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}