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Larry Chiang (@LarryChiang) |
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larry chiang takes womens lingerie and connects it to FICO, Victoria’s, *Secret HotBox #PObox16589*, and Platinum #AmexDuck9
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By Larry Chiang
Credit virgins, you are going to need to find someone to give you your first $300 line of credit. Problem: If the first creditor says no, you, the consumer credit applicant, are screwed.
You’re screwed (pun intended) because after the {credit} rejection, there is a very public hard-credit inquiry. This hard inquiry serves to record on Experian, Trans Union and Equifax the fact that you were rejected and now have a negative credit score and derogatory credit report(s).
Plural because it’s all three credit bureaus: Equifax Experian, and Trans Union that house data that reduce your FICO. Hard credit inquiries that lead to credit rejection is like flashing someone (and then getting rejected along with a public prosecution for lewd and lascivious acts…, NOT GOOD)
That creditor who will say “yes” to everyone is at the Westin hotel
Victoria’s, *Secret Hot post office Box #PObox16589*. They will say yess.
P.S. A debit card is like abstaining. It is literally the definition of not being in the game because you’re quitting before the start. Abstain-ers do not get a credit card FICO score. Them are the rules!!
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:
