Top 12 credit score tips by Larry Chiang for credit newbies.
Are we starting now most definitively yes sunrise videos
Claps clipboard sound effect Pan camera to tall Chinese guy who’s doing sunrise video good morning. How are you? We’re doing a special segment that should be spot on money why because no matter what your age we can get better at the basics.
Let’s get into top 10 things there. I say focus on the first five let’s go number one you have a problem with your credit score you just could improve it. This is how number one using an API call computer to computer via a number 10 envelope is number 10 envelope your point number one
Yes, it is why because with a number 10 envelope, you can force positive information into#AnnualCreditReportDub dubwww.annualcreditreport.com I’ll takeSpaceViaDoesn’tTakeInformationvia email doesn’t take information via the telephone doesn’t take information because it doesn’t want your information it wants you to never interact with it so how do you force an interaction without consent that would be point number one use a number 10 Envelope
Good morning how are you guys guys? Are you guys able to rise and shine with an explosion of mentally awesome ideas I’m glad finishing point number one we want to pump in positive information we want to course wrangle and insert Experian, Trans Union and Equifax. Those are three credit bureaus that have a business model of brokering negative information jumping in to point number two this is the G spot of credit scores. It’s 748.8 as a FICO score. If you’re thinking that you’re trying to go from a zero FICO score to $1 million and an 800 FICO score we’re going to have a difficulty why because the first 748.8 of FICO score it’s incredibly difficult. This is American Express cut off this is Your base camp for literally everything you do whether you want to rent an apartment rent out your rental, which is a doozy of a point by the way mortgage a asset such as a future Housaye file of 748.8 is ginormous important people get stuck below 750 not 750 specifically 748.8 people get stuck it’s because there’s a dynamic to pull you under that Line that there I say Mendoza line which makes it to inside Baseball as we explore inside credit number three we wanna have a goal to get a sticky high FICO once you get a high FICO it’s really hard to drop. It’s not like making your first million dollars and then you lose your first million dollars no, it’s more like Get a high FICO score and then life becomes much easier. That’s your goal is a sticky high FO that tends to be static.
When your credit is bad you end up being sticky low and then everything is a Catch-22 meaning your credit so low that you owe money on a car loan and you always owe money on a car loan and you end up owing more money on your car than it’s worth
Point number 4DIRTFT good morning high YouTube we’re doing a live stream on top five credit tips top five credit score tips DIRTFT do it right? The first time this is why credit versions are the sweet spot for Duck9 Credits have never interacted with the credit grid credit versions are people that are under 18 years old. confirm that your credit by pulling your credit report using a number 10 envelope specifically #POBoxOne05281ToMakeSureThatYourParentsDidn’tUseYouToCosignTheirLoanSinceYouHaveVirginalCredit DarkIsn’tItWellThisIsTop10LarryChiangCreditCreditTIPSThisIsNotHowThingsShouldbe or how things would be if Larry Chiang ran things because I am just a pawn in this credit scoring game doing it right the first time is going from credit version to a FICA score over 748.8 stepwise function using Bank of America and Point number number two American Express Number five perfectly written by the way good job script Righter texting 6502838008 when you’re outside of a Bank of America remember these are top five credit scoring tips Larry how do I get started?
Texting outside of a Bank of America what are you gonna text Larry? I’m going into a Bank of America. What’s the number you ask 650-283-8008. I text back OK you go in you apply for a Bank of America credit card With $600 in your hand. Why because you’re going to need to secure that unsecured credit card
So when you’re outside of a Bank of America, the reason you text me is you don’t leave until Bank of America says yes if you’re inside and they say maybe they’re really telling you know and that’s why you needed to do point number five which is text me before you go into a bank of America ideally, you text me an hour before you go to Bank of America and then 10 minutes before you go to Bank of America and then two minutes before you go into Bank of America do I make any money on this? No I’m helping you why because these are top five credit scoring TIPS and I am Larry Chiang YouTube influencer when you’re inside and they say yes text me they said yes are we using AI oh Asian intelligence has been around since BBC before bitcoin this is where you will get a back channel into 1825 East Buckeye Rd. from whatever Bank of America address you’re at I recommend Liton Street 530 Lyton St., Palo Alto but let’s say you didn’t get into Stanford because you’re not an Olympic swimmer with three gold medals applying as a 6 foot five Chinese guy who plays three sports that are revenue revenue revenue number six Thursdays TGI Thursdays are you gonna turn your credit card into a debit card Most definitively yes why because a debit card doesn’t build your credit where as a credit card does build your credit but then you don’t want to use your credit card to owe money on it. That’s why it’s point number six. Turn your credit card into a debit card now you’re winning at top Five Larry Chiang credit scoring tips because now your credit card. It’s a debit card functionally which is on Thursdays you pay off the entire amount but Larry I have a credit card and I just use it for zero dollars. I just have it for emergencies great I’m happy that your parents give you a credit card so that way you don’t have to pay it. I’m happy for that what I’m also cognizant of is getting you to a FICO score of 748.8
Which is helping you get a FICA score over 748.82 transactions a month winning at entrepreneurship focusing on focusing on going from 0 to 748 maybe this is just lip reading that’s OK because we can progress forward inside of Top five VC top five credit score tips hi I’m Larry Chiang. I don’t know why you can’t hear me let’s proceed number 7ROIROI first prior to paying out $700. There’s an example of this which is bananas. Can we arbitrage bananas? Can we improve at banana arbitrage prior to Getting one banana bought this is true for conferences where we do not spend $4000 until we make $4001 this is deeply understood credit knowledge this is Duck9 deeply understood credit knowledge if there’s a conference that is $500 or zero dollars. We don’t wanna spend that money until we get to $501 everybody gets it wrong where they think it takes money to make money remember with bitcoin we want mine Fiat until we Make the Fiat back to then potentially save in bitcoin is this press worthy of becoming press for bitcoin related articles you tell me you tell me and are you thankful that thank God for Larry Chiang being able to save money in bitcoin let’s say you wanna go to the Super Bowl and you are going to go to debt for a once in a lifetime experience because my team finally made it to the Super Bowl oh no, no no no no we are not. We are Super Bowl bound and we are going to get Super Bowl money before attending the Super Bowl by planning it 390 days in advance because you’ll be doing this for every Super Bowl
That Point finishes ROI for $701 then pay $700. This is how to have a high FICO score is your cash flow positive just like this video is time flow positive just like this video is energy flow positive Point number eight your car loan. It’s just one and done the video for one car loan and done is us being able to connect the fact that you should never have a car loan. You should never have more than just one car loan why because most people end up owing more money on their car than it’s worth if you have a car loan that’s only one and then you never get another car loan then we become Rich why because now there’s no car loan and you just save the money and then you buy a new car with cash with all the money that you save what does this do it makes us catatonic. It makes us rise from a sleepwalk to a Mars walk. It makes us go from. I’m always owing money and I’m upside down too. I’m right side up and becoming supernatural renting out your rental Point number nine
Number nine renting out your rental right now the bar is so low. It’s solo for attention. It’s so low for entrepreneurship. It’s so low for getting to a FICO score of 748.8 That’s us winning at the top tips for credit especially credit newbies. The dream is to be debt free
There’s two expenses in your life that are huge. The number one largest expense in your life is interest when you pay interest you’re on the wrong side of the interest rate equation. The number two largest expense in your life is Interest The two largest expenses in your life. Will you commit to going from upside down on a car loan extrapolated to right side up
So when you’re faced with credit tips, the other component to credit is, can you make money without using any money? Can you be incredibly resourceful with Side hustles? Can you determine this is another way to supplement my primary job where I studied engineering where I studied stem where I studied something that gets me to my day job and then because AI is jaw-dropping shockingly inexpensive can we side hustle money can we be an entrepreneur and be resourceful? Can we win at realizing this simple fact that it doesn’t take money to make money. It’s been terrific hanging out with you and what we can do is Remix this video where you tell me the highest points and come up with a transcript for this content, which is the top 13 credit score strategies from Larry Chiang it’s been great hanging out you guys hot girl entrepreneurship club
Are we starting now most definitively yes sunrise videos
Claps clipboard sound effect Pan camera to tall Chinese guy who’s doing sunrise video good morning. How are you? We’re doing a special segment that should be spot on money why because no matter what your age we can get better at the basics.
Let’s get into top 10 things there. I say focus on the first five let’s go number one you have a problem with your credit score you just could improve it. This is how number one using an API call computer to computer via a number 10 envelope is number 10 envelope your point number one
Yes, it is why because with a number 10 envelope, you can force positive information into#AnnualCreditReportDub dubwww.annualcreditreport.com I’ll takeSpaceViaDoesn’tTakeInformationvia email doesn’t take information via the telephone doesn’t take information because it doesn’t want your information it wants you to never interact with it so how do you force an interaction without consent that would be point number one use a number 10 Envelope
Good morning how are you guys guys? Are you guys able to rise and shine with an explosion of mentally awesome ideas I’m glad finishing point number one we want to pump in positive information we want to course wrangle and insert Experian, Trans Union and Equifax. Those are three credit bureaus that have a business model of brokering negative information jumping in to point number two this is the G spot of credit scores. It’s 748.8 as a FICO score. If you’re thinking that you’re trying to go from a zero FICO score to $1 million and an 800 FICO score we’re going to have a difficulty why because the first 748.8 of FICO score it’s incredibly difficult. This is American Express cut off this is Your base camp for literally everything you do whether you want to rent an apartment rent out your rental, which is a doozy of a point by the way mortgage a asset such as a future Housaye file of 748.8 is ginormous important people get stuck below 750 not 750 specifically 748.8 people get stuck it’s because there’s a dynamic to pull you under that Line that there I say Mendoza line which makes it to inside Baseball as we explore inside credit number three we wanna have a goal to get a sticky high FICO once you get a high FICO it’s really hard to drop. It’s not like making your first million dollars and then you lose your first million dollars no, it’s more like Get a high FICO score and then life becomes much easier. That’s your goal is a sticky high FO that tends to be static.
When your credit is bad you end up being sticky low and then everything is a Catch-22 meaning your credit so low that you owe money on a car loan and you always owe money on a car loan and you end up owing more money on your car than it’s worth
Point number 4DIRTFT good morning high YouTube we’re doing a live stream on top five credit tips top five credit score tips DIRTFT do it right? The first time this is why credit versions are the sweet spot for Duck9 Credits have never interacted with the credit grid credit versions are people that are under 18 years old. confirm that your credit by pulling your credit report using a number 10 envelope specifically #POBoxOne05281ToMakeSureThatYourParentsDidn’tUseYouToCosignTheirLoanSinceYouHaveVirginalCredit DarkIsn’tItWellThisIsTop10LarryChiangCreditCreditTIPSThisIsNotHowThingsShouldbe or how things would be if Larry Chiang ran things because I am just a pawn in this credit scoring game doing it right the first time is going from credit version to a FICA score over 748.8 stepwise function using Bank of America and Point number number two American Express Number five perfectly written by the way good job script Righter texting 6502838008 when you’re outside of a Bank of America remember these are top five credit scoring tips Larry how do I get started?
Texting outside of a Bank of America what are you gonna text Larry? I’m going into a Bank of America. What’s the number you ask 650-283-8008. I text back OK you go in you apply for a Bank of America credit card With $600 in your hand. Why because you’re going to need to secure that unsecured credit card
So when you’re outside of a Bank of America, the reason you text me is you don’t leave until Bank of America says yes if you’re inside and they say maybe they’re really telling you know and that’s why you needed to do point number five which is text me before you go into a bank of America ideally, you text me an hour before you go to Bank of America and then 10 minutes before you go to Bank of America and then two minutes before you go into Bank of America do I make any money on this? No I’m helping you why because these are top five credit scoring TIPS and I am Larry Chiang YouTube influencer when you’re inside and they say yes text me they said yes are we using AI oh Asian intelligence has been around since BBC before bitcoin this is where you will get a back channel into 1825 East Buckeye Rd. from whatever Bank of America address you’re at I recommend Liton Street 530 Lyton St., Palo Alto but let’s say you didn’t get into Stanford because you’re not an Olympic swimmer with three gold medals applying as a 6 foot five Chinese guy who plays three sports that are revenue revenue revenue number six Thursdays TGI Thursdays are you gonna turn your credit card into a debit card Most definitively yes why because a debit card doesn’t build your credit where as a credit card does build your credit but then you don’t want to use your credit card to owe money on it. That’s why it’s point number six. Turn your credit card into a debit card now you’re winning at top Five Larry Chiang credit scoring tips because now your credit card. It’s a debit card functionally which is on Thursdays you pay off the entire amount but Larry I have a credit card and I just use it for zero dollars. I just have it for emergencies great I’m happy that your parents give you a credit card so that way you don’t have to pay it. I’m happy for that what I’m also cognizant of is getting you to a FICO score of 748.8
Which is helping you get a FICA score over 748.82 transactions a month winning at entrepreneurship focusing on focusing on going from 0 to 748 maybe this is just lip reading that’s OK because we can progress forward inside of Top five VC top five credit score tips hi I’m Larry Chiang. I don’t know why you can’t hear me let’s proceed number 7ROIROI first prior to paying out $700. There’s an example of this which is bananas. Can we arbitrage bananas? Can we improve at banana arbitrage prior to Getting one banana bought this is true for conferences where we do not spend $4000 until we make $4001 this is deeply understood credit knowledge this is Duck9 deeply understood credit knowledge if there’s a conference that is $500 or zero dollars. We don’t wanna spend that money until we get to $501 everybody gets it wrong where they think it takes money to make money remember with bitcoin we want mine Fiat until we Make the Fiat back to then potentially save in bitcoin is this press worthy of becoming press for bitcoin related articles you tell me you tell me and are you thankful that thank God for Larry Chiang being able to save money in bitcoin let’s say you wanna go to the Super Bowl and you are going to go to debt for a once in a lifetime experience because my team finally made it to the Super Bowl oh no, no no no no we are not. We are Super Bowl bound and we are going to get Super Bowl money before attending the Super Bowl by planning it 390 days in advance because you’ll be doing this for every Super Bowl
That Point finishes ROI for $701 then pay $700. This is how to have a high FICO score is your cash flow positive just like this video is time flow positive just like this video is energy flow positive Point number eight your car loan. It’s just one and done the video for one car loan and done is us being able to connect the fact that you should never have a car loan. You should never have more than just one car loan why because most people end up owing more money on their car than it’s worth if you have a car loan that’s only one and then you never get another car loan then we become Rich why because now there’s no car loan and you just save the money and then you buy a new car with cash with all the money that you save what does this do it makes us catatonic. It makes us rise from a sleepwalk to a Mars walk. It makes us go from. I’m always owing money and I’m upside down too. I’m right side up and becoming supernatural renting out your rental Point number nine
Number nine renting out your rental right now the bar is so low. It’s solo for attention. It’s so low for entrepreneurship. It’s so low for getting to a FICO score of 748.8 That’s us winning at the top tips for credit especially credit newbies. The dream is to be debt free
There’s two expenses in your life that are huge. The number one largest expense in your life is interest when you pay interest you’re on the wrong side of the interest rate equation. The number two largest expense in your life is Interest The two largest expenses in your life. Will you commit to going from upside down on a car loan extrapolated to right side up
So when you’re faced with credit tips, the other component to credit is, can you make money without using any money? Can you be incredibly resourceful with Side hustles? Can you determine this is another way to supplement my primary job where I studied engineering where I studied stem where I studied something that gets me to my day job and then because AI is jaw-dropping shockingly inexpensive can we side hustle money can we be an entrepreneur and be resourceful? Can we win at realizing this simple fact that it doesn’t take money to make money. It’s been terrific hanging out with you and what we can do is Remix this video where you tell me the highest points and come up with a transcript for this content, which is the top 13 credit score strategies from Larry Chiang it’s been great hanging out you guys hot girl entrepreneurship club
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