By Larry Chiang
I really like algorithms. They are a tool for turning something complex into a formula.
Pay attention to something I discovered…
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Larry Chiang (@LarryChiang) |
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11:10 is 1,1,1,0 is lacking a 1. 1’s = on-time & ‘0’ is neutral non event. 1= on-time, 2=30 days late 4=90; 9=bad debt 0= non-event #Duck9
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These are credit codes from a credit report.
Credit code “1’s” = on-time
Credit code ‘0’ is neutral, non event.
1= on-time,
Credit code 2=30 days late
Credit code “4”=90 days late;
9=bad debt
0= non-event
Ideally, you as a college student get 24, “1’s” in a row. It’s a FICO over 720.
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