Larry Chiang engineered a fictitious degree called a Jedi in Business Administration, JBA, where networking and sales are penultimate so kissing up to Mark McCormack made sense. Mark McCormack wrote, “What They Will NEVER Teach You at Harvard Business School.” Neither he, nor his mentor went to Harvard for business. McCormack went to Yale Law. After Chiang’s Harvard Law School keynote, Harvard’s Harbus wrote: “What They Don’t Teach You at Stanford Business School”. Better than a credit bureau dispute penned from Oak Brook Illinois on Duck9 letterhead, this Stanford engineering article reveals, “CS183creditScore” secrets.
by Larry Chiang
Your credit score is dependent upon your email address. There is such a thing as Email Address Underwriting for Credit Granting Purposes. This technique falls under thin file analysis. Credit and risk analysts must make tough choices based on thin credit (report) files. Credit report files are from the three American credit bureaus, Experian, Trans Union and EquiFax. #ExpTransFax is a privately held private corporation that is different from Experian, Trans Union and EquiFax who are themselves, private.
Who am I!? I hacked the FICO with the help of my mentor. I co-founded a company, UCMS (https://www.ucms.com/thin.html), that literally prepared 36,000,000+ college students FICO scores using “second stage premiums”. Premium gifts were correlated with milestones de la credit.
 |
ExpTransFax (@ExpTransFax) |
|
Caller ID for email and credit underwriting an email address #cs183cs #cs183creditScore twitter.com/larrychiang/st…
|
|
 |
Larry Chiang (@LarryChiang) |
|
Larry Chiang (@LarryChiang) |
|
Cont’:
◻ Is your email address your spam catchall (seeming like you’re dodging debt collectors. ◻ Debt collectors call your cell! #cs183cs |
|
|
Larry Chiang (@LarryChiang) |
|
Larry Chiang (@LarryChiang) |
|
Cont’:
◻ Is your email address old. ◻ How guessable is your email address? Rate 1-10. ◻ did u just make it up!?! It shows! #cs183cs |
|
|
Larry Chiang (@LarryChiang) |
|
Cont’:
◻ Is your email address similar to your name. ◻ Does your email sound like a small music business? “#noEmailClout“#cs183cs |
|
|
Larry Chiang (@LarryChiang) |
|
Cont’
◻ Is your personal email address connected & DJ’d to your work email ◻ Do you have a job w/a W2. #CloutScore #creditScore #cs183cs |
|
|
Larry Chiang (@LarryChiang) |
|
Cont’:
◻ Looking at your email address, would you guess a student loan of $150k!? ◻ CS stands for C.S. or credit score #CloutScore #cs183cs |
|
|
Larry Chiang (@LarryChiang) |
|
Larry Chiang (@LarryChiang) |
|
Larry Chiang (@LarryChiang) |
|
Cont’:
◻ Is your email address connected eventbrite where you’ve hosted one real event ◻ Is your email connected to a WORDPRESS account |
|
|
Larry Chiang (@LarryChiang) |
|
Cont’:
◻ Is your email address connected to eBay with a decent eBay rating ◻ Is your email connected to PayPay with a confirmed bank account |
|
|
Larry Chiang (@LarryChiang) |
|
Cont’: ◻ Link email address to Amazon account and… |
|
◻ Link email address to Airbnb account. See airbnb account for me here https://www.airbnb.com/users/show/1169426
Rule of 11:11. 24 Puzzle pieces gets you to FICO 750
UPDATE:
(In your first 1 interaction with the FICO credit grid that consists of time versus Experian-TransUnion-Equifax, It is 100% Hard Inquiries)
https://t.co/T2AFN0a9vO pic.twitter.com/aJppePIs7L
— Larry Chiang (@LarryChiang) July 28, 2016
at minute number one, also known as your first 1 interaction with the FICO credit grid, your FICO consists of “100% Hard Inquiries”.
What is a FICO grid?
Answer: Experian-TransUnion-Equifax on the Y-axis. Time on the X-axis.
Duck9 is a credit score prep program that is like a Kaplan or Princeton Review test preparation service. We don't teach beating the SAT, but we do get you to a higher credit FICO score using secret methods that have gotten us on TV, Congress and newspaper articles. Say hi or check out some of our free resources before you pay for a thing. You can also text the CEO:
