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How to go from FICO 0 to FICO 800 as a 17 year old

by Larry Chiang on October 20, 2015

Larry Chiang (@LarryChiang)
How exactly to go from FICO 0 to FICO 800 as a 17 year old in America

By Larry Chiang

Only rich kids will do this, which is unfortunate for because a high FICO helps all.
I think only rich students will execute this protocol for high credit score, because…, h-i-s-t-o-r-y.

The following tweets do not cost much money. Supplies needed include #10 envelopes, stamps. And a smartphone that takes digital photos.

Larry Chiang (@LarryChiang)
*#1 of 9*: Prepare 31 envelopes with a stamp in the upper right hand corner RE FICO zero to FICO 800 as a 17 year old in America


Take a pic to make sure you’re doing it correctly. In a recent workshop, students did not know where to put the stamp. 

 
If you ask why stamps and using the usa postal service…, welcome to AMERICAN credit law under the 1970’s FCRA. Draconian would be a compliment for the Fair Credit Reporting Act
 
Larry Chiang (@LarryChiang)
#2 of 9; Get yourself to the Bank of America at #530Lytton with $300. Thats your credit line. FICO 0 to FICO 800 as a 17 year old in America


In America. We don’t ask for a line of credit. 

We do not ask for permission for credit. 
We show up with $300 and demand a legal $300 credit line.
{When/IF your FICO is bad as an adult, you can’t borrow $300 even against a $500 collateral in the form of five Benjamin Franklin bills. 5, $100 bills 🙁 but that’s a different post)
This post is about “Going from FICO 0 to FICO 800 as a 17 year old”
Larry Chiang (@LarryChiang)
#3 of 9 FICO 0 -> credit score 800; Get an email address that looks like your real name and get a “PayPal” account #PyPl


DJliteBrite@gmail dot com seems sketch. 

Lawrence.Chiang.2008@gmail.com makes the connection to Lawrence Chiang, someone that Bank of America would waive the $300 deposit requirement for.
Larry Chiang (@LarryChiang)
#4 of 9; 0 to credit score FICO 800 as a 17 year old in America. execute the #RuleOf1111.


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Larry Chiang (@LarryChiang)
#5 of 9 FICO 0 to FICO 800 as a 17 year old in America. Email me or snapchat LarryChiang that you have a pulse larry@larrychiang.com


Read the bounce email larry@duck9.com


Larry Chiang (@LarryChiang)
#6 of 9 FICO 0 to FICO 800 as a 17 year old in America. On your 18th birthday you will be 50% there. Halfway to your goal de la credit score

 

 

Larry Chiang (@LarryChiang)
#7 of 9 FICO 0 to 800 as a 17 year old in America Write down the 9 tweets. Put them up 2Fridge. Email pic of fridge pic.twitter.com/EItfjLAQor


Email me the picture of your refrigerator. Take down your little siblings drawings to make space. 

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Print this out because it’s worth a lot to save money on your largest expense in life. Interest. 
go from FICO 0 to FICO 800 as a 17 year old because interest is lower for FICO 800 people
#8/of 9.
Now go mentor. Go mentor at a table to help the public go from FICO 0 to FICO 800. 
Read this Mark Cuban post about selling shoelaces https://bit.ly/mcuban710

Edit the word shoelaces with “fico SCORE prep”

This site is targeted at college grad and young professionals, contains user contributed content, and material that may be confusing to a lay audience.
 
 

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