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

Apple Pay News at NYFW

by Larry Chiang on September 19, 2014

NEW YORK, New York
By Larry Chiang 

Fashion Week’s front row shows off the latest in fashion and tech. For example, 
there is Apple Pay
From B of A
Disclosure: Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

 Visa is a registered trademark of Visa International Service Association, and  Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

Apple Pay™ is the easy, secure way to pay with a simple touch

Prepare to enjoy a new way to pay with Apple Pay

Bank of America is proud to bring our customers a new way to pay that’s simple and convenient with a quick touch of your finger.

Coming in October, Apple Pay will enable Bank of America customers with eligible debit and credit cards to pay for purchases on the go using their iPhone 6. Payments with Apple Pay will be accepted at over 200,000 stores and in select iPhone apps. 

Apple Pay is easy to set up and use:

  • Once you add your eligible Bank of America® credit or debit card(s), you can use Apple Pay to make purchases with the touch of your finger.
  • Plus, you’ll continue to earn Bank of America card rewards on your purchases and benefit from our $0 Liability Guarantee1 and BankAmeriDeals®.

Be on the lookout for more details from Bank of America and Apple on using Apple Pay on your new iPhone 6 when Apple Pay is made available in October.

Learn more about the iPhone 6 at Apple 

What A Super Model Can Teach a Harvard MBA About Credit

American Express hosts me mentoring you about FICO scores at New York Fashion Week 

My Stanford Engineering video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve 

CEO of Duck9
MIT University Entrepreneur in Residence (EIR)
Duck9 = “Deep Underground Credit Knowledge” 9
125 University Avenue/ 100
Palo Alto CA 94301
650-566-9696 (direct)
650-283-8008 (cell)
Editor of the BusinessWeek Channel “What They Don’t Teach at Business School”
Read my last 10 tweets at
Author, NY Times Bestseller

“What They Will NEVER Teach You at Stanford Business School” comes out 11-11-14

52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering
Emergency swings and cutting deals as an 9 year old
Duck9 is part of UCMS Inc.
More on #ENGR145’s SHIFTING right on the entrepreneur bell curve 


Sequencing Startup Classes at Stanford University

September 18, 2014

By Larry Chiang  There is a new entrepreneurship class at Stanford, CS 183(B): “How to start a startup”. It is taught by YC president Sam Altman. Here is what to pay attention to, what things mean and how it will turn out. At first I wholeheartedly agreed with Steve Blank! steve blank (@sgblank) 9/16/14, 3:08 PM You […]

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Third Party Data Verification

September 18, 2014

By Larry Chiang Credit. It’s an industry filled with truths that seem counterintuitive, going against common sense. Well, if you set aside and suspend your disbelief, all y’all might make some money starting up a “Mark McCormack Mini Company Concept”. Previously, when I taught it at Stanford, I called it LCMCC. [Specifically, (#LCMCC), Larry Chiang […]

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How Does Larry Chiang Study So Gud??!

September 16, 2014

by Larry Chiang This is how I did well in school. I used this system called PQRST Preview Question Review Summarize Test P.Q.R.S.T. PQRST was taught to me my Miss Basetto in the 7th grade. I used it to excel as a student-athlete. PQRST saves you time because you become wayyyyy more efficient. Preview. The […]

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Full Schedule 2014-2015 Stanford / LARRY CHIANG

September 16, 2014

2014-15 Stanford Men’s Basketball Home Schedule Date Opponent Time (PT) Thu, Nov. 6 Cal Poly Pomona (exh.) 7:00 PM Fri, Nov. 14  Wofford  9:00 PM Sun, Nov. 16 South Dakota 3:00 PM Tues, Nov. 25 Delaware 8:00 PM Sat, Dec. 13 Denver 3:00 PM Wed, Dec. 17 Loyola Marymount 6:00 PM Mon, Dec. 29 Arkansas-Pine […]

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Larry Chiang Quotes Steven Blank Passages by Spitting HTML Links LARRY CHIANG Memorizes

September 15, 2014

By Larry Chiang  How did I get to be alpha male in this town!? I. Motivationally. Listen. Dozens of people here are smarter. Dozens of people have bigger PE funds A few dozen venture capital (VC) firms have bigger bankrolls No one listens better. Larry Chiang (@LarryChiang) 9/12/14, 9:33 AM sblank710 De la… sblank711,sblank712sblank713 […]

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Blogging on WordPress B-E-F-O-R-E Any Conference

September 15, 2014

By Larry Chiang  The idea: Surpass others. Many people beg to attend conferences on behalf of their company. Verrrry few people blog. My theory is to surpass others with preparation. Larry Chiang (@LarryChiang) 9/15/14, 5:44 PM How to Pre-Blog Any Conference or Tech Conference 1/ Set up a wordpress under your URL. 1a/ If you […]

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Can I Use Used Stamps for the 31 Envelopes System

September 15, 2014
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Disc Jockeying the OBDII Port to Your iPhone 6

September 13, 2014

By Larry Chiang  The idea is take OBDII port and DJ it  Remember the concept of #djAPI!? Well you’re DJ ing two API’s w/OBDII port Start here  Larry Chiang (@LarryChiang) 9/12/14, 9:42 AM the OBDII port !!#ENGR145 You should hack this #csMajorCEO#CSmajorCRO ENGR145’s a class on technology entrepreneurship. So you take the  OBDII port. The original […]

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Building American Credit Score, From Canada, So You Start Up a Startup

September 13, 2014

Toronto ONTARIO (aka CANADA By Larry Chiang Toronto International Film Festival was this past week and awesome. The events, afterparties, screenings and facility were amazing. So, here was my value add: Larry Chiang (@LarryChiang) 9/12/14, 10:00 AM My album ‘Toronto Film Festival!!’ has info about building USA credit score from effen Waterloo / U of […]

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