{"id":8258,"date":"2016-07-25T18:20:05","date_gmt":"2016-07-25T22:20:05","guid":{"rendered":"https:\/\/www.duck9.com\/?p=8258"},"modified":"2016-07-27T19:59:47","modified_gmt":"2016-07-27T23:59:47","slug":"adding-your-fulltime-job-to-experian-trans-union-and-equifax-exptransfax","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/adding-your-fulltime-job-to-experian-trans-union-and-equifax-exptransfax\/","title":{"rendered":"Adding Your Fulltime Job to Experian, Trans Union and Equifax &#8220;#ExpTransFax&#8221;"},"content":{"rendered":"<p>Larry Chiang&#8217;s book, <a href=\"https:\/\/www.amazon.com\/What-Teach-Stanford-Business-School\/dp\/0615301487\/\" target=\"_blank\">What They Don&#8217;t Teach You At Stanford Business School<\/a>, is a sequel to his mentor&#8217;s, Mark McCormack&#8217;s, book, &#8220;<a href=\"https:\/\/www.amazon.com\/What-Teach-Harvard-Business-School\/dp\/0553345834\" target=\"_blank\">What They Don&#8217;t Teach You at Harvard Business School<\/a>&#8220;. Chiang had his book launch party at New York Fashion Week. As a college founder, Larry Chiang mentored college students at public<a href=\"https:\/\/www.101secrets.com\/general-population-credit-knowledge.htm\" target=\"_blank\"> schools to get a FICO<\/a> over 750 as sorority coeds. If you enjoyed, &#8220;<a href=\"https:\/\/www.harbus.org\/2009\/What-They-Dont-Teach-4531\/\" target=\"_blank\">What They Don\u2019t Teach You at Stanford Business School<\/a>&#8221; and Harvard University <a href=\"https:\/\/www.harbus.org\/2014\/what-mr-peabody-can-teach-harvard-business-school-about-the-fifth-epiphany\/\" target=\"_blank\">Business School&#8217;s blog<\/a>, you will enjoy this blog post on adding information to your Experian, Trans Union and Equifax credit reports<\/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;Tory Burch&#8217;s show @NY Fashion Week. My feet are actually on the runway!&#8221;<br \/>\n&#8211; Larry Chiang, CEO Duck9<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div>\n<div>\n<div>\n<div>By Larry Chiang<\/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\/751462779500900352\/F-3ltd_G_normal.jpg\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">ExpTransFax (<a href=\"https:\/\/twitter.com\/exptransfax?refsrc=email&amp;s=11\">@ExpTransFax<\/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\/exptransfax\/status\/751474291632316421?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">7\/8\/16, 10:53 AM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">The supermajority of people I meet are dumbfounded &amp; confused. Yes, you can pump your credit reports full of good. <a href=\"https:\/\/t.co\/pCj75J9yrj\">twitter.com\/larrychiang\/st\u2026<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div><\/div>\n<div><\/div>\n<p>Experian, Trans Union and Equifax do not want you to network with them. So they will place you on permanent hold if you call via telephone.<\/p>\n<\/div>\n<div><\/div>\n<div>If you write paper mail, they must read and write you back.\u00a0<span style=\"background-color: rgba(255, 255, 255, 0);\">The <i>supermajority of people I meet are dumbfounded &amp; confused because, YES, you can pump your credit reports full of good.<\/i><\/span><\/p>\n<p>Trick. The tip I recommend is using post office boxes. Tricky because USA laws require <span style=\"background-color: rgba(255, 255, 255, 0);\">Experian, Trans Union and Equifax to answer mail within 30 days.\u00a0<\/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\/751462779500900352\/F-3ltd_G_normal.jpg\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">ExpTransFax (<a href=\"https:\/\/twitter.com\/exptransfax?refsrc=email&amp;s=11\">@ExpTransFax<\/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\/exptransfax\/status\/751098311847780356?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">7\/7\/16, 9:59 AM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Experian =\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23poBox4500&amp;src=hash\">#poBox4500<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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\/751462779500900352\/F-3ltd_G_normal.jpg\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">ExpTransFax (<a href=\"https:\/\/twitter.com\/exptransfax?refsrc=email&amp;s=11\">@ExpTransFax<\/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\/exptransfax\/status\/751099330740703233?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">7\/7\/16, 10:03 AM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Trans Union&#8217;s\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23poBox2000&amp;src=hash\">#poBox2000<\/a>\u00a0<a href=\"https:\/\/t.co\/jKTHgEfDLf\">pic.twitter.com\/jKTHgEfDLf<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/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\/751462779500900352\/F-3ltd_G_normal.jpg\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">ExpTransFax (<a href=\"https:\/\/twitter.com\/exptransfax?refsrc=email&amp;s=11\">@ExpTransFax<\/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\/exptransfax\/status\/751098810571436032?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">7\/7\/16, 10:01 AM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Equifax is networked with using\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23poBox740256&amp;src=hash\">#poBox740256<\/a>. But they do not want you to send them mail, so do it!<a href=\"https:\/\/twitter.com\/search?q=%23expTransFax&amp;src=hash\">#expTransFax<br \/>\n<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"padding: 0px; margin: 0px; background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"padding: 0px; margin: 0px; background-color: rgba(255, 255, 255, 0);\">This <i>letter of augmentation and addition<\/i> has the purpose of writing on your credit reports. You are adding positive information to <\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">Experian, Trans Union and Equifax. These credit bureaus\u00a0Experian, Trans Union and Equifax must abide by federal FCRA law. Fair Credit Reporting Act requires a paper trail.\u00a0<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\">letter!<\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">[[Date. Today&#8217;s date minus 3 days]]<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">[[Equifax]] Equifax\u00a0<br style=\"padding: 0px; margin: 0px;\" \/>[[<\/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=%23poBox740256&amp;src=hash\">#poBox740256<\/a>\u00a0<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">]]<\/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=%23poBox740256&amp;src=hash\">#poBox740256<\/a>\u00a0<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">[[google\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=%23poBox740256&amp;src=hash\">#poBox740256<\/a>\u00a0for the\u00a0<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">City, State, Zip of Equifax]]\u00a0City, State, Zip<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"padding: 0px; margin: 0px; background-color: rgba(255, 255, 255, 0);\"><b>Subject:\u00a0\u00a0<\/b><span style=\"padding: 0px; margin: 0px; text-decoration: underline;\"><i>Request for Addition of Credit Information<\/i><\/span><\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">Dear [[Credit Bureau #3 Name]] Equifax:<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">CC Congressman Culberson<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">According to FCRA, I am permitted to have accurate and true information reflected in my credit report.\u00a0<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">I have attached paperwork proving that I am employed and included my social security number for your review.<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">I understand that, \u201cA consumer\u2019s credit report should reflect completeness and accuracy.\u201d \u00a0I look forward to receiving an updated copy of my credit report reflecting this change. I have cc&#8217;d my congressman.\u00a0<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">Thanking you in advance for your assistance.<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">Sincerely,<\/span><\/p>\n<p style=\"padding: 0px; margin: 0px 0px 1.538em;\"><span style=\"background-color: rgba(255, 255, 255, 0);\">[[Your Name]]\u00a0<br style=\"padding: 0px; margin: 0px;\" \/>[[Your Address]]<br style=\"padding: 0px; margin: 0px;\" \/>[[Your SS#]]<br style=\"padding: 0px; margin: 0px;\" \/>[[Your DOB]]<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"AppleMailSignature\">\n<div>Copy of your W2, thrice. <span style=\"background-color: rgba(255, 255, 255, 0);\">Copy your W2 three times.\u00a0Copy your last pay stub three times.\u00a0<\/span><\/div>\n<div><img decoding=\"async\" id=\"D627BB5E-F757-4C2A-913B-C5F8788D09A4\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/07\/image1-32.jpg\" alt=\"image1.JPG\" \/><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><\/div>\n<div>Now, do Experian and Trans Union.<\/div>\n<div><\/div>\n<div>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr>\n<td colspan=\"2\">\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Experian =\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23poBox4500&amp;src=hash\">#poBox4500<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div><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\/751462779500900352\/F-3ltd_G_normal.jpg\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">ExpTransFax (<a href=\"https:\/\/twitter.com\/exptransfax?refsrc=email&amp;s=11\">@ExpTransFax<\/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\/exptransfax\/status\/751099330740703233?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">7\/7\/16, 10:03 AM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Trans Union&#8217;s\u00a0<a href=\"https:\/\/twitter.com\/search?q=%23poBox2000&amp;src=hash\">#poBox2000<\/a>\u00a0<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Larry Chiang&#8217;s book, What They Don&#8217;t Teach You At Stanford Business School, is a sequel to his mentor&#8217;s, Mark McCormack&#8217;s, book, &#8220;What They Don&#8217;t Teach You at Harvard Business School&#8220;. Chiang had his book launch party at New York Fashion Week. As a college founder, Larry Chiang mentored college students at public schools to get [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40,7],"tags":[],"class_list":["post-8258","post","type-post","status-publish","format-standard","hentry","category-deep-underground-credit-knowledge-via-subroutines","category-stanford-engineering"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8258","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=8258"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8258\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=8258"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=8258"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=8258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}