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


by Larry Chiang on May 5, 2016

By Larry Chiang
This blog post is all sorts of political incorrectness–
Hold on to your butts because it’s about to get cray cray. Accessibility of handicapped people parallels old executives over 28 years old herein referred to as “fossils”. Fossils need “multiple touch points”. Net: Old people need to talk to us on the telephone before they pay us. Old people need to see a phone number before they meet us as newbie Stanford engineering founders. 

[i dunno any startup whose revenue cherry was popped by a venmo]

Larry Chiang (@LarryChiang)
if youre a soph doing #ENGR145 this summer “multiple touch pts” is phone, email and cell phone number #hearsaySummit…

Telephone: 650-566-9600

Email. No won’t get it done. seems like it’s spam. 
Chiang9 @

Larry Chiang (@LarryChiang)
“It’s about accessibility. Every time you see a yellow, polka dotted handicap ramp, think: @LarryChiang wants us to get a phone #” #cs183s


Larry Chiang at Stanford Daily. 

1/ Get and landline phone number.
2/ port it out to Verizon
3/ Forward it 8am -5pm
4/ Set up a Kall8 phone tree with extensions.
5/ try to be transparent and accessible.
The handicap ramp is a U.S. law under ADA (Americans with Disabilities Act). These entrepreneurship accessibility rules of thumb are for setting the bell curve for engineering 145


Millennials Prefer Debit Cards Because We Are Dumb and Lazy

May 5, 2016

By Larry Chiang Larry Chiang (@LarryChiang) 5/5/16, 4:56 PM Do Millennials prefer debit cards to credit cards? What does the evidence say?… The system has been set up to place you in ‘negative territory’ even if you have proper funds in place to spend. Its buried in the terms of service under authorization hold. […]

Read the full article →

Office Hours at a Party

May 5, 2016

Larry Chiang (@LarryChiang) 5/5/16, 7:28 AM Nasdaq Happy Hour #10May2016 #SiliconValley… By Larry Chiang I will be at this party I will be easy to fund. I think of parties as the front lines of entrepreneurship. Whether or not adoption occurs depends on how well you network at parties. Remember, so many engineering VCs […]

Read the full article →

3 Things Travis Did Before Uber

May 5, 2016

By Larry Chiang Travis Kalanik spoke at Stanford Entrepreneurship Week to Student Athletes. I took notes and also took video. Here are three things that I learned in a Business Insider article about Travis Kalanik that applies to starting up as a Stanford engineer as it applies to being a CS major who gets sales […]

Read the full article →

Hacking NPS Score

May 5, 2016

UPDATE: Thx to Hearsay for hosting and taking care of so many details By Larry Chiang I enjoy hacking. Here is the NPS (net promoter score) hack that I am pattern recognizing from Kenneth Lin and Clara Shih .@nwintroub & @kennethlin on innovation in #fintech, short-term rev vs long-term value creation #hearsaysummit — Erin […]

Read the full article →

Credit Highlights from #hearsaySummit

May 5, 2016

By Larry Chiang Credit is center stage at Hearsay Summit. Hearsay is a startup doing promotions and today is their user conference. At the heart of engineering, entrepreneurship and the credit industry is something new for the credit industry: Do the right thing. How do you survive the great recession? Focus on consumers first, revenue […]

Read the full article →

How to Do A User Conference

May 5, 2016

By Larry Chiang While Stanford engineering is impressive, you can’t slap prospects in the face with it and utter-cry, “Please buy from me.” Well, you can produce a User Conference that makes sales prospects wanna buy! Many advisors have no website or one worse than the nail salon down the street. @clarashih #hearsaysummit — […]

Read the full article →

Call 630-705-5555

May 5, 2016

Larry Chiang (@LarryChiang) 5/5/16, 8:27 AM 630-705-5555

Read the full article →

Pinata Arbitrage #cs183a

May 5, 2016

“I remember seeing a Donald trump piñata outside a piñata store in San Mateo a while ago. Called to see if they still had it, and sure enough sold out. Called all the other piñata stores in the area, apparently all are sold out and trying to get more. Alex Rampell tells me I should […]

Read the full article →

Mr Incredible

May 5, 2016

By Larry Chiang Mr Incredible is on a US postage stamp#Duck9. [Here, Mr Incredible is about to mentor how insurance really works] — Larry Chiang (@LarryChiang) April 28, 2016 Art imitates life. Have you heard of that quote before?! It applies to the Incredible’s movie because Mr Incredible had a job at an insurance […]

Read the full article →