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The Special Recipe (aka Routine) of “FICO 850” Has Thirteen Specific Subroutines

by Larry Chiang on November 3, 2015

Larry Chiang became J.B.A. (Jedi in Business Administration) by teaching ‘signature business recipes’ from the book of  Mark McCormack. McCormack made fun of Harvard and Chiang ran the same play to make fun of STANFORD: “What They Don’t Teach You at Stanford Business School”. FICO scores can be hacked just like a Stanford business school class inside the Computer Science Deptartment, CS183B, can. See this special piece on mentoring CS major CRO’s (#CSmajorCRO) and other employees…

Larry Chiangby Larry Chiang

Thank you for your text questions.

I break down credit. Credit  and having a high FICO score is a precursor to many great career options.

Jessica T.’s Question = “What do I need to do to score a perfect FICO 850?”

Jessica T.'s question via Text: How do you get a FICO of 850

Answer: The Special Recipe and Routine of “FICO 850” Has Thirteen Specific Subroutines

Credit subroutine: #FICO850a
1 mortgage. 2 car loans. 3 months savings in the bank. 1 job linked to your Experian Trans Union Equifax credit report “#FICO850a” #FICO850
Credit subroutine: #FICO850b
2 credit cards in use #FICO850b #FICO850

Credit subroutine: #FICO850c
5-15 credit cards on hiatus. #FICO850c #FICO850

Credit subroutine: #FICO850d
Stable address #FICO850d
(NEW)Stable address with an Amex corporate card that links to employer Tax ID at employer address #FICO850
(Update: Stable address with an Amex personal card that links to your social security number and home address. #FICO850)
Stable address where Amazon ships stuff (The USPSi program ties into a dB that confirms that your email address that dovetails your real world street address #FICO850. Yup, your email address reveals that*

Credit subroutine: #FICO850e
Solidly strong, off-credit-report, metrics #FICO850e

Credit subroutine: #FICO850f
A hundred things ruin perfect credit. #FICO850f

Credit subroutine: #FICO850g
Paying off your mortgage drops you from 850 to below 800 inside of 90 days #FICO850g

Credit subroutine: #FICO850h
Paying off a bogus collection with a paper check. #FICO850h

Credit subroutine: #FICO850i
Paying off a bogus charge-off with a paper check. And then sending paper mail to #poBox4500 #PObox1000 #PObox740256 #FICO850i

people at 700 think the jump to #FICO850j doesn’t go thru #FICO748pt8. 748.6 is between 700 and 850

I recommend an Amex. You will financially benefit and so will we. I recommend an Amex. You will financially benefit and so will we.

An American Expresss card. #FICO850k

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