{"id":1534,"date":"2013-09-05T20:34:11","date_gmt":"2013-09-06T00:34:11","guid":{"rendered":"https:\/\/www.duck9.com\/?p=1534"},"modified":"2013-09-06T00:48:27","modified_gmt":"2013-09-06T04:48:27","slug":"how-to-build-a-fico-credit-rating-without-a-credit-card-2","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/how-to-build-a-fico-credit-rating-without-a-credit-card-2\/","title":{"rendered":"How to Build a FICO Credit Rating Without a Credit Card"},"content":{"rendered":"
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By Larry Chiang<\/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<\/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<\/a>.<\/p>\n

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

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

<\/span><\/p>\n

\ud83d\ude42<\/p>\n

Method #5 to Increase FICO Score as a Student<\/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

<\/a><\/p>\n

YOU’RE WELCOME<\/p>\n

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

Text me or fb message me, Larry Chiang, if you’re curious about Method #6 – #11 <\/p>\n

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

Are u a female??! (in the creepiest tone I can muster)
<\/a><\/p>\n

This is me, launching a law after crashing a party that I later became VIP of
<\/a><\/p>\n

My mentor taught me the “crasher to VIP maneuver”.<\/p>\n

Google”crasher to VIP maneuver”.<\/p>\n

CEO of Duck9
Stanford University Entrepreneur in Residence, Emeritus<\/p>\n

Duck9 = “Deep Underground Credit Knowledge” 9
125 University Avenue<\/a>\/ 100
Palo Alto CA 94301<\/a>
https:\/\/www.duck9.com\/ass<\/a><\/a>
650-566-9600<\/a>
650-566-9696<\/a> (direct)
650-283-8008<\/a> (cell)<\/p>\n

****************
Editor of the BusinessWeek Channel “What They Don’t Teach at Business School”
https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog<\/a><\/a>
CNN Video Channel:https:\/\/ireport.cnn.com\/people\/larrychiang<\/a><\/a><\/p>\n

Read my last 10 tweets athttps:\/\/www.Twitter.com\/LarryChiang<\/a><\/a><\/p>\n

Author, NY Times Bestseller
https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller<\/a><\/a><\/p>\n

“What They Will NEVER Teach You at Stanford Business School” comes out 11-11-14<\/a><\/p>\n

https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049<\/a><\/a><\/p>\n

52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering
<\/a><\/p>\n

Emergency swings and cutting deals as an 9 year old<\/p>\n

<\/a><\/p>\n

##########
Duck9 is part of UCMS Inc.
https:\/\/www.ucms.com<\/a><\/a>
630-705-5555<\/a><\/span><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

By Larry Chiang This is meant for college students. In the future I’ll maybe write something for traditional adults. 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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1534","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1534","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=1534"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1534\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=1534"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=1534"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=1534"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}