{"id":9309,"date":"2017-01-05T21:07:18","date_gmt":"2017-01-06T01:07:18","guid":{"rendered":"https:\/\/www.duck9.com\/?p=9309"},"modified":"2017-01-10T01:36:20","modified_gmt":"2017-01-10T05:36:20","slug":"whats-the-best-strategy-for-getting-a-first-credit-card-and-establishing-good-credit-from-scratch","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/whats-the-best-strategy-for-getting-a-first-credit-card-and-establishing-good-credit-from-scratch\/","title":{"rendered":"What’s the best strategy for getting a first credit card and establishing good credit from scratch?"},"content":{"rendered":"
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<\/td>\nLarry Chiang (@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n
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1\/5\/17, 4:51 PM<\/a><\/div>\n
QUESTION: What’s the best strategy for getting a first credit card\/establishing good credit from scratch? <\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Answer: Your first credit application needs to be at a place where you are ~100% certain you will be approved. Getting rejected = credit death. <\/p>\n<\/div>\n

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I recommend a checklist of items to execute along with emailing me to make sure they’re properly done<\/div>\n
– Have you requested a copy of your credit report from #poBox105281?<\/div>\n
– Do you have #31envelopes prepared?<\/div>\n
– Are You near a Bank of America?<\/div>\n
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Why #poBox105281!?<\/span><\/div>\n
Larry Chiang answer: make sure to do a consumer credit inquiry PRIOR TO a hard credit inquiry. All 3 credit bureaus can be accessed through #poBox105281<\/span><\/div>\n

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Why #31envelopes!?<\/span><\/div>\n
USPS mail is most efficient for credit score establishment. Remember, I taught a class at an engineering school so I know about snapchat, houseparty, tinder and texting. The effen post office is how to make sure you don’t get a credit rejection. #31envelopes seems like overkill but think of it like Stanford engineering thinks about CS 183 protocol, “real world insurance”<\/span><\/div>\n

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Why Bank of America!?!<\/span><\/div>\n
Because I laid out three real world addresses for Bank of America and they are super lenient when I text message their credit risk officers<\/span><\/div>\n

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https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&sns=em<\/a><\/span><\/div>\n

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https:\/\/www.youtube.com\/watch?v=WVKHwYJzVVc&sns=em<\/a><\/span><\/div>\n

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Larry Chiang (@LarryChiang) 1\/5\/17, 4:51 PM QUESTION: What’s the best strategy for getting a first credit card\/establishing good credit from scratch?  Answer: Your first credit application needs to be at a place where you are ~100% certain you will be approved. Getting rejected = credit death.  I recommend a checklist of items to execute along […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-9309","post","type-post","status-publish","format-standard","hentry","category-credit-secrets","category-stanford-engineering"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/9309","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=9309"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/9309\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=9309"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=9309"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=9309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}