{"id":1525,"date":"2013-09-05T21:15:03","date_gmt":"2013-09-06T01:15:03","guid":{"rendered":"https:\/\/www.duck9.com\/?p=1525"},"modified":"2016-07-08T16:43:53","modified_gmt":"2016-07-08T20:43:53","slug":"how-to-build-your-fico-credit-score-without-a-credit-card","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/how-to-build-your-fico-credit-score-without-a-credit-card\/","title":{"rendered":"How To Build Your FICO Credit Score WITHOUT a Credit Card"},"content":{"rendered":"

Larry Chiang has a Jedi in Business Administration (a JBA :-). He spoke at a Harvard Law School event and then Harvard Business HARBUS wrote: \u201cWhat They Don\u2019t Teach You at Stanford Business School<\/a>\u201c. He spoke at a Stanford BASES event<\/a>, did Q&A via text message<\/a> and even taught a class on entrepreneurship called ENGR 145. He now scandalously teaches us, \u201cHow to build credit card credit scores without even using a credit card”. Pay attention because while it seems outlandish, the ideas are right on point.
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\"Larry<\/a>By <\/strong>Larry Chiang<\/strong><\/a><\/p>\n

This is meant for college students. In the future I’ll maybe write something for traditional adults.<\/p>\n

It is very possible and obnoxious to build a fico credit card credit score without using a credit card or falling into debt. Avoiding a credit card is funny because Duck9 makes money doing credit card lead gen (lead generation). Also known as ” selling ” credit cards.<\/p>\n

Method #1 to Build Credit Score<\/span><\/strong><\/p>\n

Get the family cell phone bill in your name.<\/p>\n

This works great if your parents are super anally retentive about paying. A signal that this is the case is when both your parents know if you’re over the family data limit.<\/p>\n

Snicker.<\/p>\n

Laugh because its true.<\/p>\n

Ask your parents if the cellphone bill can be in your name. If they say yes, I’ll text message you five critical steps. 650-283-8008.<\/p>\n

Method #2 to Build Credit Score<\/span><\/p>\n

The family utility bill.<\/p>\n

Look, Mommy and Daddy are paying for everything of yours. True?! Mooch more by transferring the utility bill.<\/p>\n

Add value back to your parents by doing text message reminders. This adds lots of value if your parents fly a lot and don’t open mail. Or just say thank you and don’t add any value to their lives \ud83d\ude09<\/p>\n

Or I can put the utility bill of one of my houses in your name… There is a photo album on my Facebook where you call me “Daddy” and I help you with your FICO<\/p>\n

Note: I MAY SOUND LIKE IM JOKING BUT THIS IS REAL. I’LL MAIL U A DUCK9 t-shirt IF YOU LINK TO THAT FB PHOTO ALBUM IN THE COMMENTS<\/p>\n

Method #3 to Increase FICO Score as a Student<\/span><\/p>\n

This is one you can do on your own. ERR. This one you can do with my help<\/p>\n

Borrow my money interest free by taking control of my Mercedes or BMW title and then making ten payments on time. On time and in a row, car payments help.<\/p>\n

If you’ve got the balls to text me to ask me to jeopardize my car, Boomer, or my car Buster… I just may do a deal with you. Boomer is the Benz and Buster is the BMW. Baxter is the Shih Tzu.<\/p>\n

There is no risk to you since the collateral is my car Buster https:\/\/bit.ly\/buster10<\/a><\/p>\n

Method #4 to Boost Credit Score<\/span><\/p>\n

Add information to your credit report<\/p>\n

After you get your credit report (which will be thin or non existent. Hopefully! I say hopefully because a mixed credit file could pollute your virginal credit file<\/p>\n

Huh?!<\/p>\n

)<\/p>\n

Method #5 to Increase FICO Score as a Student<\/span><\/p>\n

Start a business and use your business’s value as collateral.<\/p>\n

Wha?? Start a biz!??<\/p>\n

Start a biz is actually easier than this obnoxious blog post<\/p>\n

See this video and take notes AS IF ACING THIS VIDEO WOULD MAKE YOU FIFTEEN THOUSAND DOLLARS<\/p>\n

https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&feature=youtube_gdata_player<\/a><\/p>\n

YOU’RE WELCOME<\/p>\n

Method #6 – #11 to Increase FICO Score as a Student involves putting $250 OF MY MONEY at risk<\/span>.<\/p>\n

Text me or fb message me, Larry Chiang, if you’re curious about Methods six to eleven<\/p>\n

Not to be biased but I like engineering undergrads. Your major is 5x harder than Econ.<\/p>\n

Are u a feeee-eemale??! (in the creepiest tone I can muster)
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