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The Big, Big Difference Between 11:11 and 11:10 and 11:09

by Larry Chiang on December 3, 2013

By Larry Chiang
I really like algorithms. They are a tool for turning something complex into a formula. 
Pay attention to something I discovered…
Larry Chiang (@LarryChiang)
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

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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