{"id":10278,"date":"2017-05-05T21:29:06","date_gmt":"2017-05-06T01:29:06","guid":{"rendered":"https:\/\/www.duck9.com\/?p=10278"},"modified":"2017-05-05T21:42:16","modified_gmt":"2017-05-06T01:42:16","slug":"an-high-fico-score-overnight-takes-about-2-years-when-youre-17-12-years-old","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/an-high-fico-score-overnight-takes-about-2-years-when-youre-17-12-years-old\/","title":{"rendered":"A High FICO Score &#8220;Overnight&#8221; Takes About 2 Years When You&#8217;re 17 1\/2 Years Old"},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div>\n<\/div>\n<div>By law FICO is not allowed to age discriminate.&nbsp;<\/div>\n<div>\n<\/div>\n<div><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"480\" alt=\"image1.JPG\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image1-9.jpg\" title=\"Fico-percentage-is-100-percent-hard-inquiry-when-you-are-starting\" class=\"alignnone size-custom\"><\/p>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/860658279566909440?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">5\/5\/17, 5:51 PM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">How the first few terrifying moments look when you are starting.&nbsp;<a href=\"https:\/\/t.co\/TNJJm8klRo\">pic.twitter.com\/TNJJm8klRo<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\nAre you a sucker?<\/span><\/p>\n<\/div>\n<div><img loading=\"lazy\" decoding=\"async\" width=\"540\" height=\"720\" alt=\"image2.JPG\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image2-5.jpg\" title=\"Larry-chiang-on-national-news\" class=\"alignnone size-custom\"><\/div>\n<div><font color=\"#000000\" style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23cs183creditScore&amp;src=hash\" style=\"background-color: rgba(255, 255, 255, 0);\">#cs183creditScore<\/a>.&nbsp;<\/font><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\"><br \/>\n<\/span><\/span><\/p>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/860647370165411840?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">5\/5\/17, 5:08 PM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Credit scoring&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23cs183creditScoring&amp;src=hash\">#cs183creditScoring<\/a>&nbsp;<a href=\"https:\/\/t.co\/PLBioKOfvl\">pic.twitter.com\/PLBioKOfvl<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<img loading=\"lazy\" decoding=\"async\" width=\"1357\" height=\"1057\" alt=\"image3.JPG\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image3-5.jpg\" title=\"Monopolists-at-fair-Isaac-are-kinda-arrogant\" class=\"alignnone size-custom\"><br \/>\n<\/span><\/p>\n<table style=\"border:1px solid black;padding:8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width:48px;height:48px;padding-right:8px;\"><\/td>\n<td><b>Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/710298599062511617?refsrc=email&amp;s=11\">3\/16\/16, 7:55 PM<\/a><\/div>\n<div><a href=\"https:\/\/twitter.com\/search?q=%23cs183creditScore&amp;src=hash\">#cs183creditScore<\/a> is a sequel to the all the Peter Thiel, <a href=\"https:\/\/twitter.com\/search?q=%23CS183s&amp;src=hash\">#CS183s<\/a>&#8216;, classes <a href=\"https:\/\/twitter.com\/search?q=%23Sxsw&amp;src=hash\">#Sxsw<\/a> <a href=\"https:\/\/t.co\/fwKQXD3LGg\"><span>pic.twitter.com\/fwKQXD3LGg<\/span><\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image4-4.jpg\" alt=\"image4.JPG\" id=\"16440E97-7E3B-4A4A-91B6-12F81E29125B\">\n<\/div>\n<div>\n<\/div>\n<div>Text me if you&#8217;re scared to start.&nbsp;<\/div>\n<div>Text me if your heart is racing.&nbsp;<\/div>\n<div>\n<\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2017\/05\/image5.png\" alt=\"image5.PNG\" id=\"CDD41B7C-3AAA-4F06-BFBE-B1A5F81E1B94\">\n<\/div>\n<div>My business card is available if you google &#8220;Larry Chiang business card&#8221;<\/div>\n<div>\n<div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang By law FICO is not allowed to age discriminate.&nbsp; Larry Chiang (@LarryChiang) 5\/5\/17, 5:51 PM How the first few terrifying moments look when you are starting.&nbsp;pic.twitter.com\/TNJJm8klRo Are you a sucker? #cs183creditScore.&nbsp; Larry Chiang (@LarryChiang) 5\/5\/17, 5:08 PM Credit scoring&nbsp;#cs183creditScoring&nbsp;pic.twitter.com\/PLBioKOfvl Larry Chiang (@LarryChiang) 3\/16\/16, 7:55 PM #cs183creditScore is a sequel to the all [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-10278","post","type-post","status-publish","format-standard","hentry","category-stanford-engineering"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/10278","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=10278"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/10278\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=10278"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=10278"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=10278"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}