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In The Media

How to Build a FICO Credit Rating Without a Credit Card

by Larry Chiang on September 5, 2013

By Larry Chiang

This is meant for college students. In the future I’ll maybe write something for traditional adults.

It is very possible and obnoxious to build a fico credit card credit score without using a credit card or falling into debt. Avoiding a credit card is funny because Duck9 makes money doing credit card lead gen (lead generation). Also known as ” selling ” credit cards.

Method #1 to Build Credit Score

Get the family cell phone bill in your name.

This works great if your parents are super anally retentive about paying. A signal that this is the case is when both your parents know if you’re over the family data limit.

Snicker.

Laugh because its true.

Ask your parents if the cellphone bill can be in your name. If they say yes, I’ll text message you five critical steps. 650-283-8008.

Method #2 to Build Credit Score

The family utility bill.

Look, Mommy and Daddy are paying for everything of yours. True?! Mooch more by transferring the utility bill.

Add value back to your parents by doing text message reminders. This adds lots of value if your parents fly a lot and don’t open mail. Or just say thank you and don’t add any value to their lives 😉

Or I can put the utility bill of one of my houses in your name… There is a photo album on my Facebook where you call me “Daddy” and I help you with your FICO

Note: I MAY SOUND LIKE IM JOKING BUT THIS IS REAL. I’LL MAIL U A DUCK9 t-shirt IF YOU LINK TO THAT FB PHOTO ALBUM IN THE COMMENTS

Method #3 to Increase FICO Score as a Student

This is one you can do on your own. ERR. This one you can do with my help

Borrow my money interest free by taking control of my Mercedes or BMW title and then making ten payments on time. On time and in a row, car payments help.

If you’ve got the balls to text me to ask me to jeopardize my car, Boomer, or my car Buster… I just may do a deal with you. Boomer is the Benz and Buster is the BMW. Baxter is the Shih Tzu.

There is no risk to you since the collateral is my car Buster https://bit.ly/buster10

Method #4 to Boost Credit Score

Add information to your credit report

After you get your credit report (which will be thin or non existent. Hopefully! I say hopefully because a mixed credit file could pollute your virginal credit file

Huh?!

🙂

Method #5 to Increase FICO Score as a Student

Start a business and use your business’s value as collateral. 

Wha?? Start a biz!??

Start a biz is actually easier than this obnoxious blog post

See this video and take notes AS IF ACING THIS VIDEO WOULD MAKE YOU FIFTEEN THOUSAND DOLLARS

YOU’RE WELCOME

Method #6 – #11 to Increase FICO Score as a Student involve putting $250 OF MY MONEY at risk.

Text me or fb message me, Larry Chiang, if you’re curious about Method #6 – #11 

Not to be biased but I like engineering undergrads. Your major is 5x harder than Econ. 

Are u a female??! (in the creepiest tone I can muster)

This is me, launching a law after crashing a party that I later became VIP of

My mentor taught me the “crasher to VIP maneuver”.

Google”crasher to VIP maneuver”.

CEO of Duck9
Stanford University Entrepreneur in Residence, Emeritus

Duck9 = “Deep Underground Credit Knowledge” 9
125 University Avenue/ 100
Palo Alto CA 94301
https://www.duck9.com/ass
650-566-9600
650-566-9696 (direct)
650-283-8008 (cell)

****************
Editor of the BusinessWeek Channel “What They Don’t Teach at Business School”
https://whattheydontteachyouatstanfordbusinessschool.com/blog
CNN Video Channel:https://ireport.cnn.com/people/larrychiang

Read my last 10 tweets athttps://www.Twitter.com/LarryChiang

Author, NY Times Bestseller
https://whattheydontteachyouatstanfordbusinessschool.com/blog/?s=Ny+times+bestseller

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

https://www.fastcompany.com/embed/c0d4562ea2049

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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Duck9 is part of UCMS Inc.
https://www.ucms.com
630-705-5555

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