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In The Media

At first, “10%” of The FICO Pie Chart is all you have

by Larry Chiang on August 15, 2016

By Larry Chiang 
Huge mistake and misconception = FICO percentages and what portion is what. Why?!? Because at first, the 10% in new credit is all you have 
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Larry Chiang (@LarryChiang)
At first, the “10%” is all you have 💬 twitter.com/larrychiang/st…

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Larry Chiang (@LarryChiang)
Conclusion: the 10% is the 100%. The impossibility?! Starting a USA credit report = odds were against us #GES2016 pic.twitter.com/f9B3XTIHCs


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Larry Chiang (@LarryChiang)
‘100% of a credit report is credit inquiry when it’s the first (1st) credit inquiry”
@LarryChiang pic.twitter.com/TSXIm2832F

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This graph says you’re screwed if you go zero for 1. O for 1 kills your credit score. 
Larry Chiang (@LarryChiang)
“10% of a m-a-t-u-r-e, seasoned credit report is HARD INQUIRIES.”
#fico748pt8 pic.twitter.com/f88uTOCyhY


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Larry Chiang (@LarryChiang)
This about the very first 1-5 attempts to startup. Your FICO is zero and going down due to HARD credit inquiry(s) pic.twitter.com/yLd6KQqCS5

Larry Chiang (@LarryChiang)
FICO. The start of an 17 1/2yo – 19 year olds credit score [sticker and #Fico800 theorem credit @LarryChiangpic.twitter.com/C7H9FQF2sZ


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Larry Chiang (@LarryChiang)
Baby ducks get shredded. U probably should cold email me. #cs183coldEmail. Bust your email cherry emailing “strange” pic.twitter.com/amHN6UnnzZ

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