{"id":6337,"date":"2015-11-03T11:23:32","date_gmt":"2015-11-03T15:23:32","guid":{"rendered":"https:\/\/www.duck9.com\/?p=6337"},"modified":"2015-11-03T11:27:44","modified_gmt":"2015-11-03T15:27:44","slug":"the-special-recipe-and-routine-of-fico-850-has-thirteen-specific-subroutines","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/the-special-recipe-and-routine-of-fico-850-has-thirteen-specific-subroutines\/","title":{"rendered":"The Special Recipe (aka Routine) of &#8220;FICO 850&#8221; Has Thirteen Specific Subroutines"},"content":{"rendered":"<p><strong>Larry Chiang became J.B.A. (<a href=\"https:\/\/austinstartuparchive.wordpress.com\/2013\/03\/13\/jba-is-a-jedi-in-business-administration\/\" target=\"_blank\">Jedi in Business Administration<\/a>) by teaching &#8216;signature business recipes&#8217; from the book of\u00a0 Mark McCormack. McCormack made fun of Harvard and Chiang ran the same play to make fun of STANFORD: \u201c<a href=\"https:\/\/www.harbus.org\/2009\/What-They-Dont-Teach-4531\/\" target=\"_blank\">What They Don\u2019t Teach You at Stanford Business School&#8221;<\/a>. FICO scores can be hacked just like a Stanford business school class inside the Computer Science Deptartment, <a href=\"https:\/\/twitter.com\/search?q=%23CS183B\" target=\"_blank\">CS183B, can.<\/a> See this special piece on mentoring <a href=\"https:\/\/www.duck9.com\/cs-major-cro-chief-revenue-officer\/the-cs-major-cro-part-2-of-7\/\" target=\"_blank\">CS major CRO&#8217;s<\/a> (#CSmajorCRO) and other employees&#8230;<br \/>\n<\/strong><\/p>\n<p><strong><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/wp-content\/uploads\/2011\/12\/cropped-head-shot-no-smile.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-743\" title=\"Larry-Chiang\" src=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/wp-content\/uploads\/2011\/12\/cropped-head-shot-no-smile.jpg\" alt=\"Larry Chiang\" width=\"150\" height=\"150\" \/><\/a><\/strong>by Larry Chiang<\/p>\n<div>\n<p>Thank you for your text questions.<\/p>\n<p>I break down credit. Credit\u00a0 and having a high FICO score is a precursor to many great career options.<\/p>\n<p>Jessica T.&#8217;s Question = &#8220;What do I need to do to score a perfect FICO 850?&#8221;<\/p>\n<p><a href=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image216.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-6118\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image216.jpg\" alt=\"Jessica T.'s question via Text: How do you get a FICO of 850\" width=\"640\" height=\"480\" srcset=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image216.jpg 640w, https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image216-300x225.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>Answer: The Special Recipe and Routine of &#8220;FICO 850&#8221; Has Thirteen Specific Subroutines<\/p>\n<p><strong>Credit subroutine: #FICO850a<\/strong><br \/>\n1 mortgage. 2 car loans. 3 months savings in the bank. 1 job linked to your Experian Trans Union Equifax credit report &#8220;#FICO850a&#8221; #FICO850<br \/>\n<strong>Credit subroutine: #FICO850b<br \/>\n<\/strong>2 credit cards in use #FICO850b #FICO850<\/p>\n<p><strong>Credit subroutine: #FICO850c<br \/>\n<\/strong>5-15 credit cards on hiatus. #FICO850c #FICO850<\/p>\n<p><strong>Credit subroutine: #FICO850d<br \/>\n<\/strong>Stable address #FICO850d<br \/>\n(NEW)Stable address with an Amex corporate card that links to employer Tax ID at employer address #FICO850<br \/>\n(Update: Stable address with an Amex personal card that links to your social security number and home address. #FICO850)<br \/>\nStable address where Amazon ships stuff (The USPSi program ties into a dB that confirms that your email address that dovetails your real world street address #FICO850. Yup, your email address reveals that*<\/p>\n<p><strong>Credit subroutine: #FICO850e<br \/>\n<\/strong>Solidly strong, off-credit-report, metrics #FICO850e<\/p>\n<p><strong>Credit subroutine: #FICO850f<br \/>\n<\/strong>A hundred things ruin perfect credit. #FICO850f<\/p>\n<p><strong>Credit subroutine: #FICO850g<br \/>\n<\/strong>Paying off your mortgage drops you from 850 to below 800 inside of 90 days #FICO850g<\/p>\n<p><strong>Credit subroutine: #FICO850h<br \/>\n<\/strong>Paying off a bogus collection with a paper check. #FICO850h<\/p>\n<p><strong>Credit subroutine: #FICO850i<br \/>\n<\/strong>Paying off a bogus charge-off with a paper check. And then sending paper mail to #poBox4500 #PObox1000 #PObox740256 #FICO850i<\/p>\n<p>people at 700 think the jump to #FICO850j doesn&#8217;t go thru #FICO748pt8. 748.6 is between 700 and 850<\/p>\n<a href=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/09\/image120.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5889\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/09\/image120.jpg\" alt=\"I recommend an Amex. You will financially benefit and so will we.\" width=\"960\" height=\"717\" srcset=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/09\/image120.jpg 960w, https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/09\/image120-300x224.jpg 300w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a> I recommend an Amex. You will financially benefit and so will we.\n<p>An American Expresss card. #FICO850k<\/p>\n<p><a href=\"https:\/\/www.duck9.com\/deep-underground-credit-knowledge-via-subroutines\/fico-850\/attachment\/image147-2\/\" rel=\"attachment wp-att-6196\"><img loading=\"lazy\" decoding=\"async\" width=\"225\" height=\"300\" class=\"size-medium wp-image-6196\" title=\"image147\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image147-225x300.jpg\" alt=\"\" srcset=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image147-225x300.jpg 225w, https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image147-768x1024.jpg 768w, https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image147.jpg 960w\" sizes=\"auto, (max-width: 225px) 100vw, 225px\" \/><\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Larry Chiang became J.B.A. (Jedi in Business Administration) by teaching &#8216;signature business recipes&#8217; from the book of\u00a0 Mark McCormack. McCormack made fun of Harvard and Chiang ran the same play to make fun of STANFORD: \u201cWhat They Don\u2019t Teach You at Stanford Business School&#8221;. FICO scores can be hacked just like a Stanford business school [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"class_list":["post-6337","post","type-post","status-publish","format-standard","hentry","category-deep-underground-credit-knowledge-via-subroutines"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/6337","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=6337"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/6337\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=6337"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=6337"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=6337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}