By Larry Chiang
If you wannna live rent free you’re going to need to pay attention.
A house has four things Principal, Interest, Taxes & Insurance. Principal because you are mortgaging, interest because you owe money.
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Larry Chiang (@LarryChiang) |
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PITI. Principal, Interest, Taxes & Insurance. pic.twitter.com/2VrNgR4UZL
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PITI = 900.oo
Get two roommates who pay you $500/month in rent.
To get a $180k loan as a 22-24 year old, you’re going to need to start building a credit score when you’re 17.5 yo. 17 1/2 years old, is old enough to start.

Stevie has a FICO of 780.
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Larry Chiang (@LarryChiang) |
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Answer on @Quora by @arrington to What credit score is needed for an AmEx Starwood credit card? qr.ae/R7bL2z |
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Larry Chiang (@LarryChiang) |
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Inside this office, a device does a manual API call to an office that makes credit decisions #Fico748pt8 pic.twitter.com/ZrGflLGVI3
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Larry Chiang (@LarryChiang) |
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FICO percentages 100%, then 25% and upon maturity… 10% Subj *new credit* for 18-22 year olds starting #vigins pic.twitter.com/oajUJX6mXh
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Larry Chiang (@LarryChiang) |
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What experts won’t tell you about scaling up and starting up a FICO score. youtu.be/cPL_uwh4wIg
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Larry Chiang (@LarryChiang) |
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What Penny Pritzker Knows About Starting Up an 800 FICO That Pretty Much Only Stanford Engineers Fully Grasp duck9.com/blog/uncategor…
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Larry Chiang (@LarryChiang) |
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Credit, and access to lines de la money, helps America. “What The Commerce Secretary Can and Can’t Do.”
@LarryChiang pic.twitter.com/hX57QILqQE |
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Download the Twitter app
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Larry Chiang (@LarryChiang) |
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“Who will get your Experian, Trans Union Equifax papers in order BEFORE u apply? (Yes, paper!)” |
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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:







