{"id":5364,"date":"2015-07-16T11:32:25","date_gmt":"2015-07-16T15:32:25","guid":{"rendered":"https:\/\/www.duck9.com\/?p=5364"},"modified":"2015-07-16T11:36:39","modified_gmt":"2015-07-16T15:36:39","slug":"who-mentors-your-credit-score-cherry-getting-popped","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/who-mentors-your-credit-score-cherry-getting-popped\/","title":{"rendered":"Who Mentors Your Credit Score Cherry Getting Popped."},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>Before your FICO score gets registered, you are a credit virgin.&nbsp;<\/div>\n<div><\/div>\n<div>Either establishment of credit is massively positive, or massively negative. There is no analogy analogous to the dichotomy of legendarily great or massively crappy. Establishment of credit at&nbsp;<font color=\"#000000\" style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23530Lytton&amp;src=hash\" style=\"background-color: rgba(255, 255, 255, 0);\">#530Lytton<\/a>&nbsp;Palo Alto 94301 is a hobby.&nbsp;<\/font><\/div>\n<div><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/07\/image131.jpg\" alt=\"image1.JPG\" id=\"7A0844BD-CBD0-4DE5-9D47-87821A76B7F3\"><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">Many people start their FICO with a credit collection that industry insiders call a &#8220;charge-off&#8221; (credit code &#8220;9&#8221;)<br \/><\/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\/361307546\/larry-chiang9-duck9-business-card_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">CEO of Duck9, Larry (<a href=\"https:\/\/twitter.com\/6502838008?refsrc=email&amp;s=11\">@6502838008<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/6502838008\/status\/618925986571128832?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">7\/8\/15, 4:33 PM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">BankAmericard cash rewards&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23530Lytton&amp;src=hash\">#530Lytton<\/a>&nbsp;<br \/>$100 intro bonus after spending $500 in 1st 90 days?<br \/>[I will fact check this deal.]<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/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\/618835288215805952?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">7\/8\/15, 10:33 AM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Thiel de la Peter went to college at a time when 15k credit lines were prevalent. i DJd a credit line of &#8220;$300&#8221;&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23530Lytton&amp;src=hash\">#530Lytton<\/a>&nbsp;Avenue to my cell<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>I can do for you what Peter Thiel did for himself with a 15,000 credit line. You can build as high of a FICO score as Peter Thiel with a $300 line of credit at&nbsp;<font color=\"#000000\" style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23530Lytton&amp;src=hash\" style=\"background-color: rgba(255, 255, 255, 0);\">#530Lytton<\/a>.&nbsp;<\/font><\/div>\n<div><\/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\/618839469530034176?refsrc=email&amp;s=11\">7\/8\/15, 10:50 AM<\/a><\/div>\n<div>There are 17+ VCs at <a href=\"https:\/\/twitter.com\/search?q=%23530Lytton&amp;src=hash\">#530Lytton<\/a>.<br \/>Lol, they read my ideas but can&#8217;t execute the <a href=\"https:\/\/twitter.com\/search?q=%23LeadGen&amp;src=hash\">#LeadGen<\/a> <br \/>They can&#8217;t DJ the ATM 2 (602-597-xxxx)<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ok, here is the whopper. I connected the Bank of America bank at&nbsp;<font color=\"#000000\" style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23530Lytton&amp;src=hash\" style=\"background-color: rgba(255, 255, 255, 0);\">#530Lytton<\/a>&nbsp;with a telephone number;&nbsp;<\/font><span style=\"background-color: rgba(255, 255, 255, 0);\">602-597-xxxx.&nbsp;602-597-xxxx belongs to Bank of America ass well. The application protocol interface I use is my iPhone app,&nbsp;<\/span><b><a href=\"https:\/\/twitter.com\/6502838008?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\">650-283-8008<\/a>.<\/b><\/div>\n<div><b><br \/><\/b><\/div>\n<div><b>If you&#8217;re a credit virgin in the 94025 zip code area plus \/minus 10 miles, text me&nbsp;<\/b><b><a href=\"https:\/\/twitter.com\/6502838008?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\">650-283-8008<\/a>&nbsp;before you bolt over to&nbsp;<\/b><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23530Lytton&amp;src=hash\">#530Lytton<\/a><\/span><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/07\/image224.jpg\" alt=\"image2.JPG\" id=\"F9816D43-65A7-4915-91AC-765311477F00\"><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">Best card for points. But the road to Amex goes through&nbsp;<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23530Lytton&amp;src=hash\">#530Lytton<\/a><\/span><\/div>\n<div><\/div>\n<div>Stanford Engineering (#ENGR145) has an insightful video I did<\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/www.youtube.com\/watch?v=WVKHwYJzVVc&amp;sns=em\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/WVKHwYJzVVc&#038;hl=en&#038;fs=1' \/><\/a><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">I showcase this video because you&#8217;re going to think I&#8217;m an idiot for advocating: #PObox105281<\/span><\/div>\n<div><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/07\/image317.jpg\" alt=\"image3.JPG\" id=\"A400A24F-BCA0-4CA5-A7EE-471D6A0AC1E0\"><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">Best method as of 2015, July 16<\/span><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\"><br \/><\/span><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">It&#8217;s American credit law Re Fair Credit Reporting Act. Google &#8220;<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">PO box 105281&#8243;. It SEEMS like email and web should suffice. But. But remember, the law &#8220;Electronic Credit Score Protection Bill&#8221; hasn&#8217;t been passed.&nbsp;<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Google&nbsp;<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Larry Chiang Electronic Credit Score Protection Act. I had time to lobby for that as part of my job. Ceo. I had time to do media interviews<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">See the genius of hashtags applied in a manner that is very innovative, even my Silicon Valley standards:<\/span><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\"><br \/><\/span><\/p>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&amp;sns=em\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/eudADPfTWiE&#038;hl=en&#038;fs=1' \/><\/a><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">I show you this not to intimidate or impress you with my brain. I&#8217;m attempting to arrest your central nervous system, suspend common sense judgement, and execute my basic credit advice<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div>See the protocol of #CS183creditScore<\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/07\/image413.jpg\" alt=\"image4.JPG\" id=\"BBB439F1-B671-49F5-8ED6-FA3FBDFD907B\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div>Is the worst vice, free advice?<\/div>\n<div><\/div>\n<div>See #cs183b<\/div>\n<div><\/div>\n<div>And #cs183 which Peter Thiel taught. When you see Peter on campus, ask him, &#8220;Do you believe I got a higher FICO score than you do? I got 24 &#8220;1&#8217;s&#8221; in a row&#8221;<\/div>\n<div><\/div>\n<div>Remember, VCs want to see how capital efficient you are. So, be capital efficient with opm before you get the opm of VC. OPM is Other People&#8217;s money&nbsp;<\/div>\n<div><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/07\/image56.jpg\" alt=\"image5.JPG\" id=\"E5243C63-655A-48D8-B77C-931B843DD75F\"><\/div>\n<div>Credit&#8230;, VC&#8230;, supermodel is the new triple threat.&nbsp;<\/div>\n<div><\/div>\n<div>Google:&nbsp;<\/div>\n<div>{Larry Chiang what&#8217;s a &#8220;1&#8221; on your credit report 11:11}<\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang Before your FICO score gets registered, you are a credit virgin.&nbsp; Either establishment of credit is massively positive, or massively negative. There is no analogy analogous to the dichotomy of legendarily great or massively crappy. Establishment of credit at&nbsp;#530Lytton&nbsp;Palo Alto 94301 is a hobby.&nbsp; Many people start their FICO with a credit [&hellip;]<\/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-5364","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\/5364","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=5364"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/5364\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=5364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=5364"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=5364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}