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

I love you = 520 RMB

by Larry Chiang on October 24, 2016

By Larry Chiang 
In Chinese money, $5.20 sent and then round tripped is actually a pattern called #LCRRM. 
LOVERs in shanghai sent 5-2-0. Get it? “Wo Are Ling” 
WalktheChat (@WalktheChat)
How #WeChat got users to adopt payments as a way to grow its network.… #RedPacket #MobilePay


There is a Victoria’s Secret Inside a Westin Hotel (SF!)

October 24, 2016

Larry Chiang (@LarryChiang) 10/21/16, 4:56 PM larry chiang takes womens lingerie and connects it to FICO, Victoria’s, *Secret HotBox #PObox16589*, and Platinum #AmexDuck9  By Larry Chiang Credit virgins, you are going to need to find someone to give you your first $300 line of credit. Problem: If the first creditor says no, you, the consumer […]

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Larry Chiang Connect the Credit Score Dots

October 24, 2016

Larry Chiang (@LarryChiang) 10/21/16, 5:31 PM #530Lytton connects to #PObox15019 By Larry Chiang I’ve made a career from connecting public street addresses. #530Lytton and #PObox15019 are Bank of America locations that you can physically enter and network with.  What happens when you telephone call in a complaint?! Permahold.  Well know that #530Lytton and #PObox15019 are both credit score boosting protocols too.  Chris […]

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Google how @CFPB started

October 24, 2016

By Larry Chiang A small amount of scandal surrounds how @CFPB started Larry Chiang (@LarryChiang) 10/24/16, 10:23 AM #money2020— Founding and starting something is tough and dirty. And requires street smart(s). Read how @CFPB started. #ENGR145s  Richard Cordray @CFPB Director. (Photo credit ConsumersFirst Consumers’ Research (@ConsumersFirst) 10/23/16, 7:23 PM Richard Cordray @CFPB Director emphasizes reg. compliance & putting consumer interests 1st […]

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USA law requires timely response from credit card banks

October 21, 2016

By Larry Chiang Permahold. That’s permanent telephone hold which is what happens when you try calling. This is legal to never answer your call. Larry Chiang (@LarryChiang) 10/21/16, 5:37 PM Sending mail to #poBox15019 is advantageous because USA law requires timely response. @6502838008 CEO of Duck9, Larry (@6502838008) 5/26/16, 8:30 AM #poBox15019. Larry Chiang (@LarryChiang) 5/15/16, 6:16 PM […]

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Leveraging Oxymorons Is The Stanford Engineering Inspired, #cs183oxyM, Hashtag

October 20, 2016

By Larry Chiang Oxymorons have intrigued me. Everyone’s private driver*. Jumbo shrimp**. Tall Asian*** (sorry that was self serving), and my favorite “technology entrepreneurship” (like the Stanford engineering #ENGR145 class :-).  *#cs183Uber slogan **Secret Safeway.  ***New York Fashion Week.  Oxymoron will help you bridge to the innovation side of The Geoffrey Moore “chasm”.  #CTCFTR — […]

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Christensen’s Disruption Theory, Bezos’s Amazon, and Crossing Chasms

October 20, 2016

By Larry Chiang Crossing the Chasm as per Geoffrey Moore is complex and stuck in a rut. The Brad Stone book on “The Everything Store” is summarized in the dotted line diagram below (bolding is my edit) 8 points about Christensen’s Disruption Theory & Bezos’s Amazon by mike dariano MBA’s – the smartest ones […]

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Regulatory (Are You a Rules Virgin?)

October 19, 2016

By Larry Chiang  Regulations and the aggressive adherence to rules is something that all CS majors should practice BEFORE your first startup. The primary practice application is reading the core. And then applying those FinTech rules. [Think Settlers of Catan when you no longer let urban mythical rules shift under your feet while you were […]

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The Story

October 18, 2016

By Larry Chiang Sharing my story here: I went to engineering school with the intent to go to Harvard Business school. But then my grades were skewed low because engineering school at University of Illinois had a malicious grading curve.  My dreams crumbled.  So, I set on a different path. The non HBS path would […]

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Business School Is Like an Elective Because It’s So Easy After Engineering

October 17, 2016

By Larry Chiang  “Amazing. I told Rajeev B-school an idiot move. SoftBank Names Rajeev Misra As Head Of $100 Billion Tech Fund” -Mark Goldstein It was Alfred P. Sloan, @Markgee. Sloan MBA is like taking basketweaving as a year-long elective when you’re MS in CS. #cs183vc #cs183fanfe.   FANFE is finance and accounting for NonFinancial […]

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