By Larry Chiang
Code kiddies. Look inside your wallet. Are you using a debit card.
If you are, punch yourself in the face.
If the debit card is in your name, take the other fist that isn’t sore from cranial contact and punch your nagen.
Look, a semi pro CS major can just take Experian’s, Trans Union’s and Equifax’s credit reports and write on them like you write on paper. This should be obvious, but let us review if this is not obvious.
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Larry Chiang (@LarryChiang) |
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Credit code, “1”. Like computer science, the credit bureaus use 1’s for ontime, 2’s for 30-days late. #Duck9
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So, given this truth what would you want your credit report to exactly say.
So when you use a debit card, you are exposed to “Gotcha Capitalism” where junk fees abound and counterintuitive calculations extract fees from YOU. For example, authorization holds.
Associate 1’s to your credit report. credit bureaus use 1’s for on-time payment of an amount owed between $15.oo-$2000 paid-on-time, 2’s for 30-days late, etc. #Duck9.
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Larry Chiang (@LarryChiang) |
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When you have an uncollected debt, it’s credit code 9. Thus, 100% of your credit score reads “screwed bc of one item in arrears” #Duck9
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Avoid credit code 9. Duck, 9’s. #Duck9.
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Larry Chiang (@LarryChiang) |
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A Jedi can just take Experian’s credit report and write on it like you write on paper using #PObox105281
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So, what are you going to “write”
Tell me in the comments what exactly you’re going to do
Duck9 is a credit score prep program that is like a Kaplan or Princeton Review test preparation service. We don't teach beating the SAT, but we do get you to a higher credit FICO score using secret methods that have gotten us on TV, Congress and newspaper articles. Say hi or check out some of our free resources before you pay for a thing. You can also text the CEO:
