Larry Chiang graduated engineering school with a FICO over 800 and so did Duck9 co-founder Matt Smith. Leveraging his hacked credit score, he self-funded his small business and now teaches creative founder financing and street smart legal at Stanford Engineering. His class on ‘technology entrepreneurship’, Engineering 145, is also the focus of his Bloomberg BusinessWeek column “What They Don’t Teach You at Business School”. He preaches street smarts. After Chiang’s Harvard Law keynote, Harvard Business wrote: “What They Don’t Teach You at Stanford Business School“ (it’s the same title as his NY Times bestseller). He will be the first to admit that three mentors helped him. Larry Chiang is Entrepreneur in Residence at Stanford University. If you read his hilariously awesome “What a Supermodel Can Teach a Stanford MBA” and “How to Get Man-Charm”, you will like his latest post:
Hack Your Credit FICO Score as a Stanford CS Major Undergrad.
By Larry Chiang
I am the guy that hacked a high FICO score by reverse engineering an algorithm. I got really really rich by junior year in college because I was taught by three mentors. Usually, I just blog about entrepreneurship and hacking the transition from engineer undergrad to working-in-the-real-world engineer.
.@joerogan, did you study Chemical Engineering!? Your hilarious #netflix show had a ton of chem humor. The stuff about the hot women was a little too-funny-because-it's-true pic.twitter.com/f5XH0pbJya
— Larry Chiang (@LarryChiang) January 4, 2018
For example, I reverse engineered how to graduate with the #1 highest starting salary* by getting 3 legendary internships the entrepreneurial way.
* THIS IS INCOME FROM A FORTUNE 500 COMPANY, “NALCO CHEMICAL”. THIS STATISTIC IS INDEPENDENT OF MONEY EARNED FROM THE LARRY CHIANG MINI COMPANY CONCEPT [#LCMCC] I FOUNDED THAT MADE ME A CASH MILLIONAIRE.
Hack Your Credit FICO Score as a Stanford CS Majorhttps://t.co/pjM9gnEgOU
— Larry Chiang (@LarryChiang) July 9, 2016
Hacking up a good FICO credit score is tantamount. Back when I was an undergrad — I hacked the fair Isaac credit scoring algorithm. I encroached on their intellectual property and trademark but did not infringe or violate it. Yes, all this credit mentorship is barely legal. OMG, my brain is still on the five week Spring Break I took. Sorry. It is all legal.
I repeat: This is all legal.
-1- Jack Up Your Credit Score: Add 24 1’s
1s are on-time credit payments.
But I can’t get a credit card NOW and I’m a motivated Freshman… Plus I know that co-signed credit cards dont help.
“11:11”
Ask yourself, “What is 11:11”?
1’s are on-time credit payments.
24 ontime payments that correlate to your social security number.
24 1s that are quite easy to do…, but way easier not to do it.
-2- Get the family power bill in your name.
If you’re an orphan or have parents that don’t live in the country. I will put one of my houses power bill in YOUR name. I will park $5k in your account. My monthly power bill is about $350.
If you have parents, get the family power bill in your own name. Then make sure your mom does not screw you by forgetting to pay the APS power bill. APS is in arizona. PG&E is california. Fill-in-your-parents’ state.
-3- Get the family cell phone bill in your name.
I kinda dont trust you enough to put one of my 8 cell phones in your name… but, we’ll will see. Paying a cell phone bill that is attached to your social security number helps your FICO. Getting a cell phone bill in your name helps foreign VCs with their FICO. Yeah, I help VCs too. It also helps entrepreneurs who are now VCs but wreaked their credit when they were volatile income-streamed
Going zero to .333
Going zero to one
Going zero to 800https://t.co/al0FIcg9VV#cs183duck9 is a sequel to #cs183 pic.twitter.com/JyZzLezAmb— Larry Chiang (@LarryChiang) September 9, 2016
-4- Duck the 9’s
Charge-offs kill your credit
-4a- Charge-off paid off collection notice but primary account fails to update that you paid
-4b- Charge-off from college apt utility bill
-4c- Charge-off from unpaid parking ticket
-4d- Charge-off from closed account where you did auto-pay
-4e- Charge-off from closed account where you could not dispute a wrong charge because your account is closed
The hashtag is ‘AmexDuck9’ and here are awesome videos
The Jay Z Concert in Austin Texas where CS major undergrads got to go with me
Larry wrote a sequel to a book he did not write. It came out 09-09-09. It is called ‘What They Don’t Teach You At Stanford Business School‘.
Larry’s book released 09-09-09
This post was cranked out in about an hour so email me if you see a spelling or grammatical error(s)… chiang9 @duck9 com. IF you see something wrong, text me at https://twitter.com/6502838008.
Larry Chiang is the founder of Deep Underground Credit Knowledge 9 (Duck9). He hacked Fair Isaac’s FICO credit algorithm and battles lies told by the credit industry such as Fair Isaac’s claim that the average FICO is 720. The real average is 535.
Text or call him during office hours 11:11am or 11:11pm PST +/-11 minutes at 650-283-8008. If you email him, be sure to include your cell number in the subject line.
{ 50 comments… read them below or add one }
I have 18 closed accounts how can I fix my 509 score
My mortgage company reported 8 late payments, but I was never late, I was paying the wrong amount without knowing (paid by phone system). This is the only bad thing on my report but it’s gonna take YEARS to get it off. Any advice?
615-268-2213
Vis-?-vis your sentence, “I got really really rich by junior year in college vis a via three mentors”: apparently Stanford does not require sufficient writing instruction of its engineering students. You sound like you went to MIT.
Neither of the two sentences that you may have meant to write makes sense (c’est-a-dire, neither “I got really rich … vis-?-vis three mentors” nor “I got really rich via three mentors” means anything.)
Perhaps you meant to say “I got really rich with the help of three mentors,” or maybe “In comparison to my three mentors, who were poor, I became quite rich.” Unfortunately, it’s hard to tell what you really meant.
I would, however, be interested to learn what the independent variables in the FICO score are, and what their coefficients are. (Surely they teach statistics over there, n’est-ce pas?)
9497694759 I want to ask some questions regarding a project I’m working on
thanks. This is good stuff!
I am desperate I really need my FICO score increased. I went thru a divorce and it destroyed my score . my score is approx 575 need 750 I have a great income for my area , I make over 124k a year and need to buy a new home for me and my 3 sons . Can you help me
Thanks
brian Colabove 814-381-5907 Cell
my cell is right there. My #31envelopesMethod is there for the googling.
Hello Larry,
I am single mother of 1 and unfortunatley like many americans I am struggling with bad credit. I was reading your and viewing your videos on how to jack up my FICO score I need help!! You contact me at 609-892-8620 Tonya Jerkins
Hello
Can you help correct my credit scores or lead me to someone who can? 407-496-6248
Thanks
Antonio
information is key , cause you don?t know anybody who had successfully hacked and improved his credit rating doesn?t mean people are not doing it already. there really isn?t anything new under the sun, as you are thinking about an idea?someone somewhere it thinking about the same thing and making moves to achieve it. in short should you need a hacker who can fix bad credit ratings, who can clear mortgages and debt records you should check out double-u-double-u-double-u-dot-hackterrific-dotcom, you will find an elite who will be able to provide permanent solutions to whatever your problem may be and he is thorough and effective
Hello everyone, I use to see a credit financial adviser with some mess I made as regards my report until a friend introduced me to nick saying he could get me a credit repair services with a boost in my credit report to an excellent level in days I refused to believe this but went on doing it and it paid off!!.
Hi, I need help with my 500 credit score. You have any ideas that may help?
Am not a fan of this sort of thing but after been scammed 4 times i finally met an ethical hacker
I?ve been surfing on-line more than 3 hours these days, yet I never discovered any fascinating
article like yours.
If you need to check your partner’s sincerity, track his current credit
my credit score was 430 and I couldn?t get approved for a loan, a car, a house? NOTHING!
hey my credit score was 428 — i got it up to 727. i recommend this
I have tried Larry Chaing and I have confirmed his good work among all of this hackers out there
Hello, there are only a few hackers out there who know the dynamics about hacking, only a few of them are experienced and know how to hack. Nice work!
Thank you matt johnson! So happy your FICO score is well above 800. Expand on the details of your journey!!
The credit score does NOT matter as much as the actual information in your credit report.
When I was applying for loans for my third property, my score was in the mid-700?s but I had three late payments, which hurt me dearly. But the lenders actually looked at my report and refused me a loan.
Today, my TransUnion new score is 775 out of a possible 850; my Vantage score is 990 out of 990; my auto score is 905 out of 950; and my home score is 912 out of 950. All scores computed from the same database on the same day. Why the variances? Use of different algorithms. Who controls the algorithms? The rating agencies… What can you do about it—-nothing!
I filed a complaint against the rating agencies in 2010 to the FTC, and to date, they have acknowledged receipt but have not responded..They are not going to repond. The rating agencies run wild I don’t need new credit. I am 73 years old, and have assets. However, I do pay auto and home insurance each year and not having my home and auto scores maxed-out affects what I pay for home and auto insurance each year.
when i had a low credit, duck9 are very good in credit repairs, their services are legit and safe
70pts! i have since then been checking every thirty minutes because i cannot believe my eyes.. but its real! Larry Chiang is the only hacker that came through for me
INCREASED MY CREDIT SCORE
Fred Filthy: “Larry Chiang is a phony and lives in this fictitious world where he thinks he?s the man. I truly hope no one has been suckered into paying for his services. Let this hack fade away.”
Hello I am Withney Cole. I really want to say a big thank you to you guys for doing me a great and smooth job
Hello Friends, though i doubted him at first because he took an up front payment, 2 weeks later he got my report and my credit score was increased
I was recommended by a friend when I had a low credit I was able to get a very good score–Grateful.
great and very efficient
ok so I wondered for how long I was going to live with a terrible credit score of 480. He’s truly a blessing
My credit score was 5?10 a friend recommend?ed duck9
legit, tested ?and trusted.
This helped me with my credit score. I didn’t even have enough money to pay him but he helped me. Now I’m giving this testimony from my first house which I wouldn’t have got without his help.
Hello Larry, I was able to? raise my credit scor?es!
Apparently a bunch of “Pence-sters” here found loop holes in all three bureaus and are helping US citizen get their scores way up up to the 800s, pretty amazing right, I’m actually a happy client, cheers!
Hi Mike, thx for your comment. Remember, Duck9 only helps college students replicate what Stanford engineering majors do with their own credit score establishment
Good news!!! finally found this genius, Chinese hacker
thanx for the post about CREDIT ESTABLISHMENT but more importantly, you are easy to read
imagine a person who actually deliver on what they write about. Thank you!!
Finally I can testify that there is a genuine programmer out there that can get job done professionally. Well, I was very lucky to have met a CREDIT SCORE SPECIALIST who put a smile on my face. He increased my score from 580 to 785!!!
I contacted Larry Chang and he asked for my info and I gave him all he needed to proceed with the hack. Behold! He helped me hack into the FICO and get my credit score boost to 825 plus and now, I got a new perfect job and got to pay my mortgage and I’m living my life in peace without debts and bad credit.
Actually, I am white. Like American white. But, thank your for the comment and the testimonial RE Hack your credit FICO score as a Stanford CS major grad
Larry helped me with my credit and increased my credit score from zero to 783 plus excellent! If you have any issues on credit reports…
He can also solve any sort of hacking issues
Larry…would you please help me. I am disabled thus medical bills unpaid….then assets were lost…then a huge tax bill. Please help me.
I believe they will help you out just like they did for me, I appreciate them.
C.K.
Wow thank you!
I have been battling with my credit score because it was non existent until I meet this content. Thank you! Keep doing what you do!!
DONNA ALLEN
I really had a bad credit score couple of weeks ago and i needed to get a loan from the bank, i came across your stuff. your everywhere!!!!! I was really impressed with the service. If you need any help with credit then good luck.
I had a bad credit score and needed to increase my score, try Larry Chang. He helped me to increase my credit score from 480 to 785 within within 48 hours