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Credit ‘experts’ have zero clue how exactly a 18-30yo’s credit (FICO) score “starts up”

by Larry Chiang on December 14, 2015

Larry Chiang mentors engineers at Stanford University to get a Jedi in Business Administration. His padawans benefit from his being “Entrepreneur in Residence” at Stanford University. If you read his hilariously awesome “What a Supermodel Can Teach a Stanford MBA” you will like his latest post

By Larry Chiang

Old people do not remember what it was like to be young. Old people cannot remember what they did to start, up. Fossil executives are at best unconscious competence…

Larry Chiang (@LarryChiang)
Credit experts have zero clue how exactly a 18-30yo’s credit (FICO) score “starts up” #Duck9

Let us get you 18-21yo college students to go from conscious incompetent to conscious competence

First, experts offer conflicting advice…
This is how to Startup.
Initially, you can’t attack all the segments of the pie. You must initially ace one portion of the pie. This is the start.
Pun, intended. Wedge into starting one portion of your FICO score. When you’re going from non existent credit card FICO score to 750, you’re going to need to
-startup a semi-secured revolving account
– startup a installment account that’s secured by the car title getting held by the bank
– startup a partially-secured credit card account. It resembles a $200 or $300 credit line that coincides with a savings account or/and a job that does “direct deposit”. 

The majority of expert advice is geared towards credit repair.
These blog posts and text from me are about #StartupFICO. Start your FICO on the path to 800.

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