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

PayPal’s CVV

by Larry Chiang on July 28, 2014

By Larry Chiang
Ask me questions at…
Larry Chiang (@LarryChiang)
PayPal’s cvv

If you have a smartphone, get the app here

PayPal doesn’t ask you for a CVV.
This is a perfect case study for reading the PayPal “Terms of Service”. There are conflicting answers because few read the TOS. Reading the TOS would help.

I regurgitated past laws and passed laws. Laws are like the TOS. If you’re wanting to skip reading…, I’d just trust the site you’re divulging PII to (personal info) and then compartmentalize the potential damage by having only a fraction of your cash holdings connected.

Also, I’d drop your Asian baggage. By baggage I mean thinking that everyone is out to cheat you. You’re in Silicon Valley now, so act accordingly 

Howdy partner! Lets ace SXSW this SXSW

ENGR145′s an open sourced concept that helps you make money.


Set The Curve as a TechCrunch, August Capital Guest

July 28, 2014

Larry Chiang DJs the engineering and biz dev skills into a JBA (Jedi in Business Administration). After a Harvard Business School event, they wrote: “What They Don’t Teach You at Stanford Business School”. He taught an entrepreneurship class at Stanford University and recently wrote about the Fifth Entrepreneur Epiphany which is a book review of […]

Read the full article →

My SXSW Method to Get Selected for “Panel Picker” 2015

July 24, 2014

By Larry Chiang  I’ve always wondered about SXSW content. If it was so awesome, why wait 6-8 months? I’ve also always wondered about the GMAT. I mean why ace a test just to wait 12-38 months for knowledge you need now (OB, fin & accy. Organizational behavior, finance, accounting). Why wait? I’ve also wondered by […]

Read the full article →

Outside Hacks SF CA

July 24, 2014

Unedited by Larry Chiang  Greetings from Outside Hacks! This years Outside Hacks had double the response from last year so we went and researched you all and have decided to open the doors early for the best of the people who applied.  Sooo…. Congratulations! Your name will be on the priority list at the door […]

Read the full article →

“What I’d Do as a 20 Year Old Intern” at Cory Levy’s Internapoluza

July 23, 2014

By Larry Chiang Michael Stoppelman  Kevin Hartz Kara Swisher Unofficial Austin (@UnofficialATX) 7/22/14, 7:40 PM Kara Swisher on “What I’d Do as a 20 yo Intern”: via @YouTube Cory Levy Michael Callahan  Max Levchin and Keith Rabois all spoke at Internpalooza Max Levchin, University of Illinois alum spoke to me and dozens of Illinois […]

Read the full article →

The Cash. Who holds it.

July 22, 2014

By Larry Chiang  Money. It is what they used to not stress in engineering school. The Cash. Who holds it. How you can get more revenue. Lets hack. Lets break into the brain of a person who holds money and Vulcan mind-meld-Obi Wan Kenobi-Jedi-mind-trick them into doing a deal. The Mindset. First of all, the […]

Read the full article →