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

Houston Fox TV News Duck9 Helps College Students FICO

by Larry Chiang on March 30, 2020

Blogged from my personal iPhone, 650-283-8008, number that Steve Jobs texted me on


The Nic Taleb to Nassim Nicholas Taleb, Transition

March 29, 2020

By Larry Chiang Engineering 145; Lec 19. Personal Business Plan Going from Nic Taleb to Nassim Nicholas Taleb (@nntaleb) who said, “I don’t do interviews anymore (not my job). But newspapers narrate the twitter feed” Nassim Nicholas Taleb (@nntaleb) 3/29/20, 12:51 PM I don’t do interviews anymore (not my job). But newspapers narrate the twitter feed. Works. […]

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Save Yourself

March 28, 2020

By Larry Chiang “WHO isn’t going to warn you.  CDC isn’t going to test you. FDA isn’t going to cure you. FEMA isn’t going to feed you. Save yourself.” –Naval (@naval) Naval (@naval) 3/28/20, 4:54 PM WHO isn’t going to warn you. CDC isn’t going to test you. FDA isn’t going to cure you. FEMA […]

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Gov Abbott got FCRA Mixed Up But Aces C-19 Test

March 28, 2020

By Larry Chiang FCRA is Fair Credit Reporting Act. Gov Abbott has a law degree and got credit laws all mixed up But he’s acing covid-19 testing Quote: “Abbott gets approval for point-of-care coronavirus test that can detect a positive case in FIVE MINUTES. Think of a strep throat test, but for coronavirus. In fact, […]

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Take Care of Your Mentals, Take Care of Your Chicken

March 26, 2020

By Larry Chiang During a time of difficulty, “Take care of your mind, take care of your bread and take care of your chicken” Riley Michel (@rileymichel) 1/12/20, 9:57 PM Marshawn Lynch’s message you the younger players on the team:  “Take care of your mind, take care of your bread and take care of your […]

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Cameron ShitCoinProTips Ripping On Ripple

March 25, 2020

Shadowbanned @Cameron (@shitcoinprotips) 3/25/20, 3:07 PM ⁦‪@enrique3330‬⁩ ⁦‪@arrington‬⁩ Ripple pays people to work with them. Only has 43% circulating supply, and has 67 billion more XRP to bring into circulation to dump on retail investors. To continue making it look like Ripple actually has a revenue stream outside of selling XRP. Enrique (@enrique3330) 3/25/20, 3:15 PM ⁦‪@shitcoinprotips‬⁩ ⁦‪@arrington‬⁩ Fair […]

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Gold Futures and the Future Of Gold

March 25, 2020

By Larry Chiang I am pursuing Deeply Understood Crypto Knowledge. Be my study buddy. As per Tim Ferriss’ podcast episode 244, Nick Szabo 🔑 (@NickSzabo4 is an expert. And he’s a friend Nick Szabo 🔑 (@NickSzabo4) 3/24/20, 7:31 PM Imperceptible to Bitcoin, a virus is for the gold futures market “force majeure”. Roy Sebag (@roysebag received some important […]

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Bucs, My Tom Brady DUCK Notes

March 24, 2020

Why we Buccaneers shouldn’t rely on #LarryChiang’s for his Tom Brady notes Silicon Valley’s Third Institution sent about 17 tweets to the front lines of the Buccaneers crisis. That sounds fantastic until you dig into the numbers — and until you think about whether we should be this reliant on person who admittedly never played any […]

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Employers and VCs Use Credit Data and Even Credit Scores To Screen Job Applicants

March 23, 2020

By Larry Chiang Employers.  Employers want to mitigate risk. Employers want to minimize the risk in hiring the wrong people. Employers want to risk eliminate people who might burn the store down or steal.  “VCs want to see how efficient you are at managing your credit line before they fund your Delaware corporation. Thus, credit […]

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Feet of Snow For VCs to Ski

March 15, 2020

Update: Vail Four Seasons is CLOSED FEET OF SNOW HEADED TO TAHOE Forecasts are calling for multiple feet of snow and strong winds this weekend. Our mountain operations teams have been closely following the weather models and are confident this storm will affect our operations this weekend. Currently we know that we will not be […]

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