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In The Media

Hacking Your Undergrad FICO Score in the Summer

by Larry Chiang on June 13, 2012

By Larry Chiang

Paying $0.39 via a paper check when you owe zero is a credit score hack.

Owing zero and paying zero isn’t an on-time payment

Owing zero and paying zero isn’t a “1” on your credit report. 1, 1, 1…., 1 is good. 24 “1’s” is a FICO over 700 for a college student.

11:11 is my favorite time of day because of all the ones

Owing zero and paying with a paper check is an on time payment (credit code “1”. Credit code “2” is 30 days late. Credit code “3” is 60 days late. And so on until Credit code “9” which is YOU’RE A BAD DEBT

Duck the 9’s

Owing zero and paying zero is a credit code “X”

Credit reports make zero distinction between $2.00 paid on time versus $20,000.00 being paid on time

Leverage these details and set a goal to get to a FICO over 700

Undergrad, text me your name to get started. 650-283-8008

I know I’m kinda hawt, so…. No. Booty. Calls.

CEO of Duck9 Stanford University EIR (Entrepreneur in Residence)

Duck9 = Deep Underground Credit Knowledge 9 125 University Avenue/ 100 Palo Alto CA 94301 650-566-9600 650-566-9696 (direct) 650-283-8008 (cell)

**************** Editor of the BusinessWeek Channel “What They Don’t Teach at Business School” CNN Video Channel:

Read my last 10 tweets at

Author, NY Times Bestseller

“What They Will NEVER Teach You at Stanford Business School” comes out 11-11-14

52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering

Emergency swings and cutting deals as an 9 year old

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