{"id":8252,"date":"2016-07-21T14:42:24","date_gmt":"2016-07-21T18:42:24","guid":{"rendered":"https:\/\/www.duck9.com\/?p=8252"},"modified":"2016-07-27T23:04:38","modified_gmt":"2016-07-28T03:04:38","slug":"25-ways-to-increase-your-credit-score-without-going-into-debt-or-applying-for-credit","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/25-ways-to-increase-your-credit-score-without-going-into-debt-or-applying-for-credit\/","title":{"rendered":"25 Ways To Increase Your Credit Score Without Going Into Debt or Applying for Credit"},"content":{"rendered":"

Larry Chiang engineered a fictitious degree called a Jedi in Business Administration, JBA,<\/a> where networking and sales are penultimate so kissing up to Mark McCormack made sense. Mark McCormack wrote, “What They Will NEVER Teach You at Harvard Business School.” Neither he, nor his mentor went to Harvard for business. McCormack went to Yale Law. After Chiang’s Harvard Law School keynote, Harvard’s Harbus wrote: \u201cWhat They Don\u2019t Teach You at Stanford Business School”<\/a>. Better than a credit bureau dispute<\/a> penned from Oak Brook Illinois on Duck9 letterhead, this Stanford engineering article reveals, “CS183creditScore<\/a>” secrets.
\n<\/strong><\/p>\n

\"Larry<\/a><\/strong>by Larry Chiang<\/p>\n

\n

Your credit score is dependent upon your email address. There is such a thing as Email Address Underwriting<\/b><\/i> for Credit Granting Purposes. This technique falls under thin file analysis<\/i>. Credit and risk analysts must make tough choices based on thin credit (report) files. Credit report files are from the three American credit bureaus,\u00a0Experian, Trans Union and EquiFax<\/a>.\u00a0<\/b>#ExpTransFax<\/a>\u00a0is a privately held private corporation that is different from\u00a0<\/b>Experian, Trans Union and EquiFax<\/a>\u00a0who are themselves, private.\u00a0<\/b><\/p>\n

Who am I!? I hacked the FICO with the help of my mentor. I co-founded a company, UCMS (https:\/\/www.ucms.com\/thin.html<\/a>), that literally prepared 36,000,000+ college students FICO scores using “second stage premiums”. Premium gifts were correlated with milestones de la credit.<\/p>\n<\/div>\n

\n\n\n\n\n
<\/span><\/td>\nExpTransFax (@ExpTransFax<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 11:16 AM<\/span><\/a><\/div>\n
Caller ID for email and credit underwriting an email address\u00a0#cs183cs<\/a>\u00a0#cs183creditScore<\/a>\u00a0twitter.com\/larrychiang\/st\u2026<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n


\n\"image1.JPG\"
\n<\/span><\/p>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 9:17 AM<\/span><\/a><\/div>\n
Cont’:
\n\u25fb Is your email address connected to Apple Inc.
\n\u25fb Is your email on Facebook’s searchable friend Box
\n#Clout<\/a>
\n#cs183cs<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

 <\/p>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 9:29 AM<\/span><\/a><\/div>\n
Cont’:
\n\u25fb Is your email address your spam catchall (seeming like you’re dodging debt collectors.
\n\u25fb Debt collectors call your cell!
\n#cs183cs<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

 <\/p>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 9:15 AM<\/span><\/a><\/div>\n
..cont’
\n\u25fb What happens when your email address is googled!?
\n\u25fb Have you executed\u00a0#LTMVTA<\/a>\u00a0to boost “email clout” (2nd ask!)
\n#Klout3<\/a>.0
\n#cs183cs<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

 <\/p>\n<\/div>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 9:01 AM<\/span><\/a><\/div>\n
Cont’:
\n\u25fb Is your email address old.
\n\u25fb How guessable is your email address? Rate 1-10.
\n\u25fb did u just make it up!?! It shows!
\n#cs183cs<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

 <\/p>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 9:06 AM<\/span><\/a><\/div>\n
Cont’:
\n\u25fb Is your email address similar to your name.
\n\u25fb Does your email sound like a small music business? “#noEmailClout<\/a>“<\/span><\/span>#cs183cs<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/span><\/p>\n

<\/div>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 9:13 AM<\/span><\/a><\/div>\n
Cont’
\n\u25fb Is your personal email address connected & DJ’d to your work email
\n\u25fb Do you have a job w\/a W2.
\n#CloutScore<\/a>\u00a0#creditScore<\/a>
\n#cs183cs<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/span><\/p>\n

<\/div>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 9:09 AM<\/span><\/a><\/div>\n
Cont’:
\n\u25fb Looking at your email address, would you guess a student loan of $150k!?
\n\u25fb CS stands for C.S. or credit score
\n#CloutScore<\/a>
\n#cs183cs<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/span><\/p>\n

<\/div>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 8:58 AM<\/span><\/a><\/div>\n
Cont’:
\n\u25fb Is your email address connected to LinkedIn.
\n\u25fb Have you executed one LinkedIn “blog post” to boost “email clout”
\n#Klout<\/a>
\n#cs183cs<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

 <\/p>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 8:55 AM<\/span><\/a><\/div>\n
Cont’:
\n\u25fb Is your email address connected to Twitter.
\n\u25fb Have you executed\u00a0#LTMVTA<\/a>\u00a0to boost “email clout”
\n#Klout<\/a>
\n#cs183cs<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/span><\/p>\n

<\/div>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 8:53 AM<\/span><\/a><\/div>\n
Cont’:
\n\u25fb Is your email address connected eventbrite where you’ve hosted one real event
\n\u25fb Is your email connected to a WORDPRESS account<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/span><\/p>\n

<\/div>\n\n\n\n\n
<\/span><\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 8:51 AM<\/span><\/a><\/div>\n
Cont’:
\n\u25fb Is your email address connected to eBay with a decent eBay rating
\n\u25fb Is your email connected to PayPay with a confirmed bank account<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/span><\/p>\n

<\/div>\n\n\n\n\n
<\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
\n
7\/21\/16, 8:48 AM<\/a><\/div>\n
\n

Cont’:<\/p>\n

\u25fb Link email address to Amazon account and…
\n\u25fb make sure Amazon\/UPS\/Fedex don’t have your address marked DO NOT DELIVER
\n#cs183cs<\/a><\/p>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u25fb Link email address to Airbnb account. See airbnb account for me here https:\/\/www.airbnb.com\/users\/show\/1169426<\/p>\n

The enterprise, financial institution side of the email address underwriting is at UCMS (aka the other side of credit underwriting<\/div>\n
https:\/\/www.ucms.com\/blog<\/a><\/div>\n
\n
\u00a0<\/span><\/div>\n
https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&sns=em<\/a><\/span><\/div>\n
\u00a0<\/span><\/div>\n
https:\/\/www.youtube.com\/watch?v=WVKHwYJzVVc&sns=em<\/a><\/span><\/div>\n
\u00a0<\/span><\/div>\n
\n\"rule-of-1111\" Rule of 11:11. 24 Puzzle pieces gets you to FICO 750\n


\n<\/span><\/p>\n<\/div>\n


\n<\/span><\/div>\n<\/div>\n

UPDATE:
\n(In your first 1 interaction with the FICO credit grid that consists of time versus Experian-TransUnion-Equifax, It is 100% Hard Inquiries)<\/p>\n

\n

https:\/\/t.co\/T2AFN0a9vO<\/a> pic.twitter.com\/aJppePIs7L<\/a><\/p>\n

\u2014 Larry Chiang (@LarryChiang) July 28, 2016<\/a><\/p><\/blockquote>\n