What They Dont Teach You At Stanford Business School

Stuff you can't learn in B-school: LARRY CHIANG

70% FICO increase, 100% of the time

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By Larry Chiang

Me and my mentor hacked the FICO algorithm

LARRY CHIANG: This might look like a kids stored value card, but I see FICO 773 in the year 2025.

Craig Watts of Fair Isaac claimed “the average FICO score is 723”. I actively disagreed while quietly helping engineers hack their FICO.

For engineers…,

bd26194fa93733b624ec22966dbdb9d9_normal.jpeg Larry Chiang (@LarryChiang)
7/30/14, 3:45 PM
Up to 70% FICO increase
100% of the time

Download nothing.

First, my hacker qualifications:

MyFICO has “back door numbers” to call.
Larry Chiang has “back door cell phone numbers to text”. For example, “Mike Arrington’s Amex FICO score case”. It’s at http://bit.ly/mmpqq711

Disclosure: I can speak to back door texting because Mr Arrington blogged his FICO score at a blog called “TechCrunch”.

CS majors, execute the real-world subroutine called #31envelopes

31 envelopes is a secret method like the FICO secrets at http://www.101.secrets.com

At SXSW, I showed up and stepped on an apple box so I do not look 5′ 7″ and talked about FICO

This 9 year old, future CS major is gonna have good credit too

Remember, FICO is a monopoly while my work is all in the open source domain. Like a natural resource


Written by Larry Chiang

July 31, 2014 at 4:09 pm

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