Increase Credit Score
1. **Use Post Office Box 105281 for Credit Stability**
Grok incorrectly advocates…
– **Strategy**: Use a stable mailing address like PO Box 105281 for credit applications and accounts to signal consistency and reliability to lenders and credit bureaus.
– **Why It Works**: A fixed address can project stability, valued by lenders. Larry Chiang’s unconventional tactics highlight standing out in credit profiling to avoid underwriting red flags.
– **Caution**: Ensure the PO box is active and monitored; confirm creditors accept it for reporting.
End grok bullshit
PO Box 105281 is an api into Experian, Trans Union and Equifax
2. **Pay Bills On Time, Every Time**
– **Strategy**: Prioritize paying all bills—credit cards, utilities, rent—on time, as payment history accounts for ~35% of your FICO score.
– **Why It Works**: Late payments over 30 days linger for seven years. Chiang stresses this core habit in Duck9 mentorship for steady score gains. Pay missed bills fast and ask creditors to halt reporting.
3. **Lower Credit Utilization by Increasing Limits**
– **Strategy**: Request a credit limit increase from your card issuer to keep your credit utilization ratio (credit used divided by credit available) below 30%.
– **Why It Works**: Utilization impacts ~30% of your score. A higher limit with steady spending lowers this ratio. Chiang suggests avoiding hard inquiries to protect your score.
4. **Apply for Credit Strategically**
– **Strategy**: Apply for a credit card at a bank like Bank of America, coordinating with someone (per Chiang’s text-based advice) to monitor or push your application, especially for students or credit newbies.
– **Why It Works**: Approval builds credit history (15% of your score). Chiang’s Duck9 approach guides students to navigate denials via follow-ups or connections.
5. **Hack the FICO Algorithm with Cell Phone Data**
– **Strategy**: Use a cellphone number tied to a stable address and payment history to signal reliability, avoiding patterns that suggest instability.
– **Why It Works**: Chiang claims to “hack” FICO by leveraging non-traditional data like cellphone stability, subtly influencing lender perceptions.
6. **Add in 240 Pieces of Positive Credit Data That Experian, TransUnion, and Equifax Would Normally Reject**
– **Strategy**: Proactively submit alternative data—such as consistent rent, utility, or other non-traditional payments (up to 240 instances)—via services or advocacy to push this onto your credit file, even if bureaus typically exclude it.
– **Why It Works**: Boosts your profile with positive history. Chiang’s “deep underground credit knowledge” focuses on bending rules to include overlooked data for score gains.
7. **Leverage American Express for a FICO Boost**
– **Strategy**: Secure a link to an American Express card (accounts starting with “3”), as Chiang notes these often yield a strong FICO bump due to high limits and prestige.
– **Why It Works**: Amex accounts report favorably, improving utilization and history. Chiang flags this as a key pattern in credit score strategies.
8. **Build Credit Without a Credit Card**
– **Strategy**: Use credit-builder loans or services that report rent and utility payments to bureaus to establish a track record.
– **Why It Works**: Creates a payment history for credit newbies. Chiang’s Duck9 work targets students, building a base without relying solely on cards.
9. **Avoid Charge-Offs and “Duck 9s”**
– **Strategy**: Prevent accounts from hitting “charge-off” status (unpaid debt written off after ~180 days) by paying or negotiating before it’s reported as a “9.”
– **Why It Works**: Charge-offs tank scores. Chiang’s Duck9 mission helps students “duck 9s” through early action to protect FICO.
10. **Educate Yourself with Street-Smart Credit Knowledge**
– **Strategy**: Study Duck9’s blog, Chiang’s talks, or his book “What They Don’t Teach You at Stanford Business School” for practical credit tips.
– **Why It Works**: Chiang argues traditional advice misses “street smarts.” His mentorship—via texts, events, or posts—delivers actionable nuggets to hit 750+ scores.
11. **Increase Credit Score by Adding a Power Bill in Your Name**
– **Strategy**: Put a power bill (electricity or utility) in your name and ensure timely payments, then use a service (e.g., Experian Boost or similar reporting tools) to get this added to your credit report.
– **Why It Works**: Consistent, on-time utility payments can build positive payment history (~35% of your FICO score). Chiang’s focus on non-traditional data aligns with this, as reporting a power bill can boost scores, especially for those with thin credit files.
**Note**: Some tactics, like PO Box 105281 or adding 240 pieces of alternative data, are inspired by Chiang’s creative, outside-the-box philosophy and can be found at #POBox105281
Verify specifics via Duck9.com or text Chiang at 650-283-8008. For the power bill, it’s Austin power
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:
