{"id":6275,"date":"2015-10-27T11:43:07","date_gmt":"2015-10-27T15:43:07","guid":{"rendered":"https:\/\/www.duck9.com\/?p=6275"},"modified":"2015-10-27T11:46:40","modified_gmt":"2015-10-27T15:46:40","slug":"millennials-a-credit-executive-conference-wants-you-to-have-crappy-credit","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/millennials-a-credit-executive-conference-wants-you-to-have-crappy-credit\/","title":{"rendered":"Millennials, a Credit Executive Conference Wants You To Have Crappy Credit"},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>C- credit. C minus as a credit score. That is what a 640 out of FICO 850 is, a &#8220;C-&#8220;.&nbsp;<\/div>\n<div><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image154.jpg\" alt=\"image1.JPG\" id=\"A2DBD073-92AA-4544-A580-DC5503A65D0E\"><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">FICO over 750 is a good credit card credit score.&nbsp;<\/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);\">In Las Vegas, Money 20\/20 is taking place. A lot of credit executives and technology startup co-founders like Lisa Falzone and Tina Hui are there. The credit industry has efforts that counter&nbsp;<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">millennials effort to have a credit score that sets the bell curve with high credit score marks.&nbsp;<\/span><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 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\/460860555398369280\/qHARZFXh_normal.jpeg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">TSYS (<a href=\"https:\/\/twitter.com\/tsys_tss?refsrc=email&amp;s=11\">@TSYS_TSS<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/tsys_tss\/status\/658712932046499841?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">10\/26\/15, 11:32 AM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Prepaid is appealing to millennials because it stops the abuse of credit and helps their credit scores&nbsp;<a href=\"https:\/\/twitter.com\/search?q=%23money2020&amp;src=hash\">#money2020<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>Yikes.&nbsp;<\/span><\/div>\n<div><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\"><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\/658848199784837120?refsrc=email&amp;s=11\">10\/26\/15, 8:30 PM<\/a><\/div>\n<div>What&#8217;s your definition of high, <a href=\"https:\/\/twitter.com\/TSYS_TSS\">@TSYS_TSS<\/a>!? Like 640-660. <a href=\"https:\/\/twitter.com\/search?q=%23Money2020&amp;src=hash\">#Money2020<\/a> (Your ignoring will constitute agreement \ud83d\ude42 <a href=\"https:\/\/t.co\/MTcKy8AqqU\"><span>pic.twitter.com\/MTcKy8AqqU<\/span><\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>I&#8217;m still waiting for&nbsp;<font color=\"#000000\" style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/TSYS_TSS\" style=\"background-color: rgba(255, 255, 255, 0);\">@TSYS_TSS<\/a>&nbsp;response.&nbsp;<\/font><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image228.jpg\" alt=\"image2.JPG\" id=\"75B30884-88F9-48E3-9FEF-C96BA09C4CC1\"><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">The free drinks at Money 20\/20 in Las Vegas for credit executives were courtesy of derogatory consumer information that credit bureaus sold. Yes, TU stands for &#8220;Trans Union&#8221;<\/span><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\"><br \/><\/span><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image315.jpg\" alt=\"image3.JPG\" id=\"7787A481-F3B3-4D8A-8D5D-DD5431C81092\"><span style=\"-webkit-tap-highlight-color: rgba(0, 0, 0, 0);\"><br \/><\/span><\/div>\n<div>642 Sucks. I recommend being &#8220;811&#8221;. I&#8217;m Larry Chiang<\/div>\n<div><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image410.jpg\" alt=\"image4.JPG\" id=\"F5AC8900-49D5-4E69-9495-8CA1A0865B5B\"><\/div>\n<div>Credit execs favorited this tweet over a dozen times.&nbsp;<\/div>\n<div><\/div>\n<div>The use of pre-paid will never get you to a FICO of 811.&nbsp;<\/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);\">This site is targeted at future college grads and young professionals, contains user contributed content, and material that may be confusing to a lay audience.<\/span><\/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\/10\/image56.jpg\" alt=\"image5.JPG\" id=\"D74E4F54-FD67-456F-B775-67EC9AA8F067\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div>Venetian Hotel hosts Money 20\/20. It&#8217;s nice!!!!<\/div>\n<div><\/div>\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);\"><br \/><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">millennials who do startup&#8217;s should CTCFTR&nbsp;<\/span><\/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>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang C- credit. C minus as a credit score. That is what a 640 out of FICO 850 is, a &#8220;C-&#8220;.&nbsp; FICO over 750 is a good credit card credit score.&nbsp; In Las Vegas, Money 20\/20 is taking place. A lot of credit executives and technology startup co-founders like Lisa Falzone and Tina [&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-6275","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\/6275","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=6275"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/6275\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=6275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=6275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=6275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}