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In The Media

Chiang: “Its All About the P.I.T.I.”

by Larry Chiang on December 14, 2016

By Larry Chiang
If you wannna live rent free you’re going to need to pay attention. 
A house has four things Principal, Interest, Taxes & Insurance. Principal because you are mortgaging, interest because you owe money. 
Larry Chiang (@LarryChiang)
PITI. Principal, Interest, Taxes & Insurance.

PITI = 900.oo

Get two roommates who pay you $500/month in rent. 

To get a $180k loan as a 22-24 year old, you’re going to need to start building a credit score when you’re 17.5 yo. 17 1/2 years old, is old enough to start. 

Stevie has a FICO of 780. 

Stevie Ryan (@StevieRyan)
My credit score is 780.

Larry Chiang (@LarryChiang)

Answer on @Quora by @arrington to What credit score is needed for an AmEx Starwood credit card?


Larry Chiang (@LarryChiang)
Inside this office, a device does a manual API call to an office that makes credit decisions #Fico748pt8

Larry Chiang (@LarryChiang)
FICO percentages 100%, then 25% and upon maturity… 10% Subj *new credit* for 18-22 year olds starting #vigins

Larry Chiang (@LarryChiang)
What experts won’t tell you about scaling up and starting up a FICO score.

Larry Chiang (@LarryChiang)
What Penny Pritzker Knows About Starting Up an 800 FICO That Pretty Much Only Stanford Engineers Fully Grasp…

Larry Chiang (@LarryChiang)
Credit, and access to lines de la money, helps America. “What The Commerce Secretary Can and Can’t Do.”

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Larry Chiang (@LarryChiang)

“Who will get your Experian, Trans Union Equifax papers in order BEFORE u apply? (Yes, paper!)”


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