Larry Chiang, President and CEO


I'll shoot you w/a nerf gun if you don't manage your credit.

11:11 is my goal of getting duck9 consumers lots of 1s.

24 1's in a row equals a 750 FICO.

A "one" is an on-time payment in credit reporting code.

A '9'=charged off bad-debt. You wanna duck 9s.

Duck9 = Deep Underground Credit Knowledge (Duck 9's on your credit report. 9's are charge-offs)

"Making sure college credit virgins get deflowered right since 2004"

"Larry Chiang is an expert at the dark art of FICO score preparation"

from Paul Thompson, Founder Scottish American Capital

Harvard Business School '09

"Who needs Stanford Business School when you have Larry Chiang"

from David Rohrsheim, Draper Fisher Jurvetson

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In The Media
By Larry Chiang
Victoria gives you any line of credit because their bras and underwear cost a fraction of what they sell it for. 
So, if your credit score is below 500, they will lend you $500. Because the $500 only cost $30.
I buy bras at wholesale. Of course I’ll lend you $500. Because you will end up paying 500+

Larry Chiang (@LarryChiang)
When I say I know @creditkarma‘s “Kenneth Lin”, Ask me about the CreditKarma, “Victoria Shopping Cart Hack” #cs183vs


Larry Chiang (@LarryChiang)
More…, #cs183vs. Victoria’s (credit) SECRET. #POBox16589

Download the Twitter app and look at the picture I took 
Larry Chiang (@LarryChiang)
Put 30 bucks worth of bras into a shopping cart. Apply for credit. #poBox16589

Put 30 bucks worth of bras into a shopping cart. Apply for credit. 

Get approved for credit. 
Pay them at #poBox16589 
Buy another 30.oo in bras


Larry Chiang (@LarryChiang)
.@hinterlands of FICO prep, @Britopian. I sit w/Brady & network 16, 17 & 15yo’s #poBox16589 

Victoria Shopping Cart Hack

#FreeCreditReport (@freecreditrepor)
#poBox16589. Charge 20. Pay $20. Repeat.


No Power. No Network. No Shot!?!

August 23, 2016

By Larry Chiang Power matters Networking matters.  Larry Chiang (@LarryChiang) 8/23/16, 8:46 AM Solving for no credit buying power and no network. #cs183vs. {No home and no car} #cs183vs When companies try to stonewall you, that’s the normal for Experian, TransUnion and Equifax- the answer is #cs183vs.  CrwnJewels has a belfie in her feed.  My […]

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Mahalo (from Victoria’s Secret) Waikiki #POBox16589

August 23, 2016
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Collections Due To SF MTA Parking Ticket Number Juxtaposition #PObox7718

August 21, 2016

By Larry Chiang  Your (collection) paid is their gain. Sfmta tickets are processed by hand. Data entry personnel often juxtapose numbers. Result: you do not get credit for paying a parking fine.  Larry Chiang (@LarryChiang) 4/21/16, 5:49 PM agreed. But the only time is paying SFMTA bc they’re double-billing bastards #PObox7718 cc bridge toll #PObox26926… CEO of Duck9, […]

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Car Loans #cs183CarLoans

August 20, 2016

By Larry Chiang.  Id tell you to avoid buy-here-pay-here…, but you know already Let us laugh at people that did not prepare their FICO.  CEO of Duck9, Larry (@6502838008) 8/20/16, 5:58 PM Auto Lending: Last Week Tonight with John Oliver (HBO). #cs183CarLoans… Larry Chiang (@LarryChiang) 8/20/16, 5:50 PM One Kia, eight owners – Documents […]

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Sweat Equity

August 20, 2016

By Larry Chiang What VCs pay attention to.  What sweat equity really means.  How sweat equity really works.  How things might turn out.  Larry Chiang (@LarryChiang) 8/20/16, 9:42 AM Sweat equity has 12 very common patterns. Here’s what VCs pay attention to (bc we’re too dumb to get tech) START. #LarryChiang @LarryChiang Larry Chiang (@LarryChiang) 8/19/16, 1:05 […]

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Flow. Founders Are Getting Flow All Wrong #cs183flow

August 19, 2016

By Larry Chiang Mihaly Csikszentmihalyi defined FLOW as being in the zone. It feels good to be in the state of mind where you are executing fast and can do no wrong.  Larry Chiang (@LarryChiang) 8/19/16, 8:40 AM “Disengage from the Facebook news trickle. That is not flow #cs183flow.”—@LarryChiang Larry Chiang (@LarryChiang) 6/9/15, 10:39 AM You […]

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“business card and the pay stub” meet #ExpTransFax

August 18, 2016

By Larry Chiang  The business card and the pay stub are to establish employment on Experian, TransUnion and Equifax.  Protocols #poBox4500; PoBox2000; #poBox740256 correspond to… Experian TransUnion Equifax Larry Chiang Cover letter goal.  Cram on to your three credit reports your job.  This WordPress blog post was sent from my iPhone 6 number that Steve Jobs texted […]

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“Customer service” is a Skill They Kinda Teach at MINER in Cal Optometry

August 18, 2016

By Larry Chiang  I am the plus one to the graduated fourth year at Cal optometry.  “Customer service” is a critical skill. CS couples with your Cal Optometry  degree #calOptoCRO Miner teaches you to tolerate the swath and crush of public patients. Doing customer service on a Braun Power Cord you sell on eBay gets you […]

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Force Feeding Equifax Like Its a Foie Gras Duck

August 18, 2016

By Larry Chiang Credit bureaus have a business model of brokering negative information. Credit reporting agencies are private businesses  #expTransFax. Yes, credit bureaus are profit driven.  If you want positive credit data to go into the three American credit reporting agencies Experian, TransUnion and Equifax, you must force feed.  #expTransFax = details that are outlined on Twitter.  Larry […]

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