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Raising FICO Credit Score by Augmenting Installment Loan Lines of Credit

by Larry Chiang on March 23, 2012

Larry Chiang mentors Harvard Law School students and solved MIT’s Entrepreneurship problems with 22 pieces of french toast. He straddles both sides of the Charles river, like a cowboy rides his favorite stallion. Harvard’s Harbus, wrote, What They Don’t Teach You At Stanford Business School“.  His knowledge of 1970’s credit law, credit secrets, and FICO score hacking makes him very popular on the sorority house lecture circuit. His 6’5″, 220 pound frame that transports his supermodel face probably doesn’t hurt either.

Welcome to the insider world of credit and “Raising FICO Credit Score by Augmenting Lines of Credit with Installment Loans

By Larry Chiang

Call my cell with this type of question. RE: I need installment loans to boost my FICO credit score as a non college student worker with zero student loan debt

Here are some guestimate answers (consult an atty. consult an accountant. reconsult another atty)
– Borrow against a car title that is already free and clear. I would do a close relative that won’t screw you by crashing their car and leaving you liable. I’d borrow about 1800.oo and get a loan for appx 150 for x months.

– Borrow a nominal amount on a no interest promoted refrigerator
If the washer dryer is 1000.00, its 24 payments of 41.67 (negotiatiate no pre-pay penality.

– Do the same thing for stereo equipment or a TV.


I am guessing that you’re foreign. When you vacation, make sure you mail a paper check. Doing electronic pay isn’t a paper trail and relying on your Wells Fargo to bill pay into BestBuy is shakey.


Missing one of your 24 months effs you.


24 months of 1s (on time payments) on two installment loans should do the trick. Be sure that in one month when your Verizon iPhone 4S phone moves from pre-paid to post-paid that you pre-pay your post paid.

Yeah, close your 11 browser windows and just re-read the above paragraph.

If you call me…

I will just open this up and read you this three times:

“24 months of 1s (on time payments) on two installment loans should do the trick. Be sure that in one month when your Verizon iPhone 4S phone moves from pre-paid to post-paid that you pre-pay your post paid.”


‘you put up with the bragging because it conveys my angst and gets you knowledge”

“There are no shortcuts to a better credit score,” said Mark Kantrowitz

Translated: Mark Kantrowitz,doesn’t know the short cuts. 24 1’s massively augments your FICO score. You will have two lines of credit where you pay on-time. The fridge and the TV.

Fair Isaac has never published their model(s), so you can’t be certain that… ” said Mark Kantrowitz
Translated: “I, Larry Chiang, think Mark Kantrowitz doesn’t know how. And I don’t know if Mr Kantrowitz is an engineer. I teach at Stanford University on engineering, reverse engineering and hacking. Fair Isaac came after a legal entity that I have equity in and now their law firm’s partner co-created “Street Smart Legal Series” with me. In short, 11:11. What I mean by 11:11 (the maximum ones on a digital clock twice per day in America and once per day in Europe and Asia) is ones are credit code, on-time payment
9s are credit code ‘charge-off’


I interviewed Jeremy Lin at Madison Square Garden Feb 10 after the Lakers Game

Duck9’s 11:11 OFFICIAL AfterParty

For details on Duck9’s 2013 SXSW party…, Text me. The 2012 event was here:

The @duck9 afterparty #sxsw #AmexDuck9 #JAYZSyncShow


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

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.

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