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