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What a Supermodel Can Teach An Undergrad About Credit Scores


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What a Supermodel can teach a college student undergrad about credit card credit scores is meant to be funny yet informational.

If its not funny to you, it is still extremely informative.

This is the same material that I, Larry Chiang, presented to Congress.

Published in: Economy & Finance
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What a Supermodel Can Teach An Undergrad About Credit Scores

  1. 1. What a Super ModelCan Teach an<br />Undergrad<br />About Credit<br />The EconomistConference on “Human Potential” <br />
  2. 2. LARRY CHIANGCEO Duck9<br />
  3. 3. Photo Credit:Kris Krug/Getty<br />If this presentation was one slide, this would be it<br />
  4. 4. I documented over a dozen cases in Chapter 11 of my book. It’s all about “Falling Forward”<br /> Plot spoiler: all 3 models are still in the business & thriving after<br /> their falls<br />
  5. 5. MoreThings<br />A<br />Super ModelCan Teach<br />
  6. 6. Can be <br />prepared<br />for…Like the SAT<br />
  7. 7. A FICO credit score of 723 puts you on a level playing field with a regular adult<br />
  8. 8. TheFICO grid consists of Equifax, Experian, TransUnion<br />
  9. 9. Avoid or Duck 9s (9s are charge-offs. Charge-off are bad debt)<br />1s are on-time payments<br />24 1s is is FICO over 700<br /> $20 paid on a zero balance is on-time<br />
  10. 10.
  11. 11. Can use<br />debit data<br />as a basisfor credit system but you can’t<br />
  12. 12. In case you were wondering if my title slide was incongruent with my title, “What a Super Model Can Teach a Harvard MBA About CREDIT”<br />
  13. 13. Larry ChiangSupermodelPhoto Collage(removed)<br />
  14. 14. Take a bow vs. re-experiencing agony<br />
  15. 15. OwnYourExperiences<br />
  16. 16. Stay pleasant during strenuous situations & make everything look easy<br />
  17. 17. I yield the balance ofmy time to questions<br />
  18. 18. What a Super ModelCan Teach an<br />Undergrad<br />About Credit<br />Larry ChiangRegister for Duck9 by emailing him“”<br />