{"id":8216,"date":"2016-07-15T11:07:55","date_gmt":"2016-07-15T15:07:55","guid":{"rendered":"https:\/\/www.duck9.com\/?p=8216"},"modified":"2016-07-27T14:34:11","modified_gmt":"2016-07-27T18:34:11","slug":"reverse-engineering-the-fico-algorithm-for-off-credit-report-data-compression","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/reverse-engineering-the-fico-algorithm-for-off-credit-report-data-compression\/","title":{"rendered":"Reverse Engineering the FICO Algorithm for Off-Credit Report Data Compression"},"content":{"rendered":"
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<\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
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7\/15\/16, 6:58 AM<\/a><\/div>\n
Authorized user versus piggyback differential. 11-15 educated guesses and extrapolations by me, #LarryChiang<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
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By Larry Chiang<\/div>\n
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Authorized user versus piggyback. FICO’s can swing to 100 point differentials. Here are top 11-15 educated guesses and extrapolations by me,\u00a0#LarryChiang<\/a><\/span><\/div>\n

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-1- authorized user have a cellphone number that signals “non-piggybacker<\/i>“<\/div>\n
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In cellphone number underwriting, the method of credit scoring the cellphone number itself shows a payment history of authorized user*. The cellphone number originates in a zip code and mailing address that is indicative of other authorized user <\/i>accounts that like to the same parental social security number with address stability.<\/div>\n
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-2- Authorized user is likely IF the credit account starts with a “3”<\/div>\n
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\"image1.JPG\"<\/div>\n
Look closely at the American Express in my hand. The account number starts with a “3”. All American Express accounts start with a 3. Hands down the highest FICO bump is when you’re an authorized user of an Amex**<\/div>\n
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-3- Piggyback Pattern has different snail mail zip code<\/div>\n
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Same house address = parent that is authorizing legitimate credit usage and reining in, minimizing and curtailing credit fauxBoating.\u00a0<\/b><\/i><\/div>\n

\n<\/i><\/b>-4- Fake Boating.<\/div>\n
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True story, there is a scam out there that sells you seasoned credit lines so, in effect, you’re piggybacking another random person you pay $500 to. Obvious\u00a0fauxBoating.\u00a0<\/b><\/i><\/div>\n
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The opposite of\u00a0faux Boating\u00a0<\/b><\/i>is…<\/div>\n
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-5- Leverage having been an\u00a0Authorized user<\/a>. And apply for credit at #530Lytton<\/div>\n
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I don’t have a catchy name for this. But here is how it works. Apply for a credit card at the Bank of America at #530Lytton or any other branch location. Before you go, text me so I can look for your app. Text me so in case you get turned down, I can make some calls into\u00a0#1825eBuckeyeRoad or\u00a0#101TryonStreet<\/span><\/div>\n
\u00a0<\/span><\/div>\n
Tips, Strategies and Corporate Insights #6 to #15 are available for purchase. Cost = $15,750.oo PayPay it\u00a0<\/span><\/div>\n
https:\/\/PayPal.me\/larrychiang\/750<\/a><\/span><\/div>\n
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Larry Chiang (@LarryChiang) 7\/15\/16, 6:58 AM Authorized user versus piggyback differential. 11-15 educated guesses and extrapolations by me, #LarryChiang By Larry Chiang Authorized user versus piggyback. FICO’s can swing to 100 point differentials. Here are top 11-15 educated guesses and extrapolations by me,\u00a0#LarryChiang -1- authorized user have a cellphone number that signals “non-piggybacker“ In cellphone […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,7],"tags":[],"class_list":["post-8216","post","type-post","status-publish","format-standard","hentry","category-fico-credit-score-starting-up-748-8-startup","category-stanford-engineering"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8216","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=8216"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8216\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=8216"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=8216"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=8216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}