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

Subscribe NOW

Enter your email address:

Text Message our CEO:


or on twitter

Free Resources

Click Here to learn more

In The Media

Longhorn Startup, First Class August 27, 2015

by Larry Chiang on August 27, 2015

Longhorn Startup (@LonghornStartup)
First class tonight at 6:30pm in GDC 2.216. Open to all @UTAustin students! @JoshuaBaer explains How to Start STARTING a Company in College.
Joshua Baer (@JoshuaBaer)
Up late getting ready for the first @LonghornStartup class of the semester. 120 students registered (so far). I’m excited! @UTAustin #HookEm

Joshua Baer (@JoshuaBaer)
@BobMetcalfe 120 @LonghornStartup students signed up so far – largest class ever! They will be sitting in the aisle.

Larry Chiang (@LarryChiang)
Done, @JoshuaBaer Re: “crashing industries” #CS178 pre lec essay/ top 35 points.…

Longhorn Startup (@LonghornStartup)
This article says the next Steve Jobs might come from @UTAustin. We think they’re right. Have you applied to LS? |

Rachael Genson (@rmgenson)
@BobMetcalfe @LonghornStartup @JoshuaBaer Is that open to the public? Would be fascinating to listen to!

Bob Metcalfe (@BobMetcalfe)
Tonite @LonghornStartup 6:30 GDC: @JoshuaBaer on how to start a startup. Next week me AMA on Internet Ethernet 3Com InfoWorld Polaris…

Joshua Baer (@JoshuaBaer)

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


Small, Specific, Executables. For Undergrads to S-T-A-R-T-U-P

August 27, 2015

By Larry Chiang Starting is so painful that founders actually release a brain chemical that masks the memory of that pain.  Since 1884, nothing has really changed. Here is the good news, should you consider reading further… Momentum and flow is all around you. Energy is all around. Aim small and start ever-so-small.  I have […]

Read the full article →

CS Majors Use Binaural Headset to Motivationally Listen Better

August 27, 2015

By Larry Chiang Listening to tonality helps. Over the telephone, words are just 7% of communication.  Larry Chiang (@LarryChiang) 8/27/15, 8:58 AM I will bet you, the CS major in the foreground is using a binaural headset: #CSmajorCRO (background, not so much) A binaural headset helps because you can listen better. I will bet you […]

Read the full article →

CS Major CRO

August 27, 2015

By Larry Chiang Selling over the telephone. Not many CS majors can close deals. Not many sales people have a CS degree.  Both skill sets together (selling and CS) helps make you awesome.  Larry Chiang (@LarryChiang) 8/27/15, 8:54 AM Look up CS major CRO. I cared enough in my hobby to make a hashtag for […]

Read the full article →

Danny Sullivan concludes, “pre paid is cheaper than post paid.”

August 26, 2015

By Larry Chiang This is a credit secret. I’m filing this under Deep Underground Credit Knowledge 9’s “signature credit protocols”. How to get cheaper cell phone services: Danny Sullivan (@dannysullivan) 8/24/15, 6:00 PM I don’t get Verizon. New “no contract” plan is $50 for 1GB. Prepaid no contract is $45 for 1GB (&2GB with autopay) […]

Read the full article →

Crashing Industries

August 26, 2015

By Larry Chiang This is my guest lecture for CS 178. The “Crashing Industries” outline I did in reverse chronological order on my @LarryChiang  For this blog post, I put them in order. Later I’ll add video. I even put my cellphone number and a bonus prize* for pre-reading.  Larry Chiang (@LarryChiang) 8/25/15, 2:35 PM “Crashing […]

Read the full article →

Getting Back to Zero With “Rule of 11:11” #RuleOf1111

August 26, 2015

By Larry Chiang I pay attention to the notes people take in their journal about life, inflection points.  This would count as an inflection point: Chris Sacca (@sacca) 8/25/15, 4:06 PM The richest you’ll ever feel is when you pay off all your debts and get back to zero. This jives and dovetails with this […]

Read the full article →

Austin Tech Founders Networking Mixer, September 3, 2015 at 5:30

August 24, 2015

Larry Chiang pre-promotes live events months and months before they occur. With his 09-09-09 book release at New York Fashion Week, What They Don’t Teach You At Stanford Business School made a huge splash, made the NY Times bestseller list and returned invested capital before the launch. #WTDTYASBS’s distributed at Sundance and SXSW months and […]

Read the full article →

2-5 Students in a Team, with a FICO Over 750, Entrepreneur Up

August 24, 2015

By Larry Chiang Everyone can cook.  That is what Ratatouille’s chef mentor stressed. Well, as your mentor, I’m saying lever up to level up – raise all yalls FICO score 750 – get a mini company concept up and going.  – execute stuff that does not cost money Larry Chiang (@LarryChiang) 7/13/15, 9:17 AM Inside […]

Read the full article →

Treasure Management #Ch2

August 24, 2015

By Larry Chiang At first, we don’t have money treasure. But we do have time. Time is a valuable cheesey form of treasure.  Let us start our treasure collection by starting up the flow. Money in. Let us start, up ourselves by managing our energy and getting some execution momentum.  Larry Chiang (@LarryChiang) 8/24/15, 7:52 […]

Read the full article →