{"id":8191,"date":"2016-07-13T12:19:56","date_gmt":"2016-07-13T16:19:56","guid":{"rendered":"https:\/\/www.duck9.com\/?p=8191"},"modified":"2016-07-13T20:10:15","modified_gmt":"2016-07-14T00:10:15","slug":"meet-my-new-twitter-friend-stevie-ryan","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/meet-my-new-twitter-friend-stevie-ryan\/","title":{"rendered":"Meet My New (Twitter) Friend, &#8220;Stevie Ryan&#8221;"},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>I pay attention to people who tweet about &#8216;FICO&#8217; and &#8220;credit score&#8221;. This is how I met Stevie Ryan.<\/div>\n<div><\/div>\n<div><\/div>\n<div>\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\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/747594249688907776\/VwxBz8zf_normal.jpg\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Stevie Ryan (<a href=\"https:\/\/twitter.com\/stevieryan?refsrc=email&amp;s=11\">@StevieRyan<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/stevieryan\/status\/753024120846036992?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">7\/12\/16, 5:31 PM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">My credit score is 780.\u00a0<a href=\"https:\/\/t.co\/6xRf54BhbW\">pic.twitter.com\/6xRf54BhbW<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><img decoding=\"async\" id=\"3473C88F-E8AC-4B4A-95E5-717F70349E33\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/07\/image1-15.jpg\" alt=\"image1.JPG\" \/><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">&#8220;You stay chasing Pokemon. I stay chasing money &amp; a good credit score.&#8221;\u00a0<\/span><\/div>\n<div>&#8211;<b><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/stevieryan?refsrc=email&amp;s=11\">Stevie Ryan<\/a><\/b><\/div>\n<div><\/div>\n<div>Notice the order of money and good credit. The order matters because money matters more than good credit.<\/div>\n<div>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><img decoding=\"async\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/747594249688907776\/VwxBz8zf_normal.jpg\" \/><\/td>\n<td><b>Stevie Ryan (<a href=\"https:\/\/twitter.com\/stevieryan?refsrc=email&amp;s=11\">@StevieRyan<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/stevieryan\/status\/753047514157285376?refsrc=email&amp;s=11\">7\/12\/16, 7:04 PM<\/a><\/div>\n<div>You stay chasing Pokemon. I stay chasing money &amp; a good credit score.<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div><\/div>\n<p>Pokemon is a fad.<\/p><\/div>\n<div>High amounts of money infusion and good credit scores are not fads.<\/div>\n<div><\/div>\n<div>An example to expand money having more importance that good credit. Your FICO drops about 20-25 points if you have a FICO of 820 and then no longer have a car loan. But having more money with a FICO of 780 is a good thing.<\/div>\n<div><\/div>\n<div>Let me repeat, having a FICO of 780 with no debt on a car title is a good thing.<\/p>\n<\/div>\n<div>\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\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/747594249688907776\/VwxBz8zf_normal.jpg\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Stevie Ryan (<a href=\"https:\/\/twitter.com\/stevieryan?refsrc=email&amp;s=11\">@StevieRyan<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/stevieryan\/status\/753133855129735168?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">7\/13\/16, 12:47 AM<\/span><\/a><\/div>\n<div><span style=\"color: #000000;\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/Lil_WolfLove\">@Lil_WolfLove<\/a>\u00a0WORD! I own my Mini Cooper S and paid that shit in cashhhhh thank you very much<\/span><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/747594249688907776\/VwxBz8zf_normal.jpg\" \/><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Stevie Ryan (<a href=\"https:\/\/twitter.com\/stevieryan?refsrc=email&amp;s=11\">@StevieRyan<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a style=\"background-color: rgba(255, 255, 255, 0);\" href=\"https:\/\/twitter.com\/stevieryan\/status\/753024120846036992?refsrc=email&amp;s=11\"><span style=\"color: #000000;\">7\/12\/16, 5:31 PM<\/span><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">My credit score is 780.\u00a0<a href=\"https:\/\/t.co\/6xRf54BhbW\">pic.twitter.com\/6xRf54BhbW<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">This credit truths make some people look on in horror because the credit rules are weird<\/span><\/div>\n<div>\n<a href=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/07\/IMG_1853.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8194\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/07\/IMG_1853.jpg\" alt=\"high credit score drops when you pay off your car loan- THE HORROR\" width=\"1280\" height=\"1280\" srcset=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/07\/IMG_1853.jpg 1280w, https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/07\/IMG_1853-150x150.jpg 150w, https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/07\/IMG_1853-300x300.jpg 300w, https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/07\/IMG_1853-768x768.jpg 768w, https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/07\/IMG_1853-1024x1024.jpg 1024w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/a> high credit score drops when you pay off your car loan- THE HORROR\n<\/div>\n<div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&amp;sns=em\">https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&amp;sns=em<\/a><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/www.youtube.com\/LarryChiang\">https:\/\/www.youtube.com\/LarryChiang<\/a>\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang I pay attention to people who tweet about &#8216;FICO&#8217; and &#8220;credit score&#8221;. This is how I met Stevie Ryan. Stevie Ryan (@StevieRyan) 7\/12\/16, 5:31 PM My credit score is 780.\u00a0pic.twitter.com\/6xRf54BhbW &#8220;You stay chasing Pokemon. I stay chasing money &amp; a good credit score.&#8221;\u00a0 &#8211;Stevie Ryan Notice the order of money and good [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40,34],"tags":[],"class_list":["post-8191","post","type-post","status-publish","format-standard","hentry","category-deep-underground-credit-knowledge-via-subroutines","category-student-credit-score-fico"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8191","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=8191"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8191\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=8191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=8191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=8191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}