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{ 3 comments… read them below or add one }

Ali November 19, 2013 at 9:17 am

Please give me the book

Joe Janulewicz March 15, 2017 at 12:05 pm

I want to destroy the fico system. I was discriminated against as an American. My Harley broke down in Vegas and I wanted to rent a car. Because I was an American w/o a fico score I was refused, but the couple from France, with no FICO score, was given a car.
I have NEVER had a credit card, never late for a payment, paid cash.
How did you find their algorithm? Joe

Profile photo of Larry Chiang Larry Chiang March 16, 2017 at 2:00 pm

Me and my mentor reverse engineered their algorithm

My cellphones right there for when you need help next time at a Hertz. Thank you Joe for sharing.

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