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

The Business Model of Trans Union and Experian

by Larry Chiang on April 17, 2015

By Larry Chiang
Credit bureaus make money selling derogatory information. 
The entire USA credit system is meant to obfuscate the truth from the general population!
- None of it is common sense
- few know FCRA 
- most advice is not FCRA compliant
- technology is not present
- paper stamps and paper letters (so counterintuitive!) are the tools that work
- And PO boxes!!!

Larry Chiang (@LarryChiang)
1B/ subroutine of getting a @freecreditrepor#POBox105281
[{ Photocopy your drivers license}]
Deleting email or engineering a system with telephone wait times of 90 minutes is LEGAL. Throwing away a piece of US postal mail sent to a PO box. A “post office” box carries a 2-year prison term. 
That is the law. 
ENGR145’s video helped me be solo founder of #ExpTransFax
CEO of Duck9
“Deep Underground Credit Knowledge 9″
c/o UCMS Inc
2021 Midwest Road / 3rd FL
Oak Brook IL
650-283-8008 (cell)
Founder of “What They Don’t Teach at Business School” for CNN iReport:
Author, NY Times Bestseller
“What They Will NEVER Teach You at Stanford Business School about EUTWMPPM @SXSW” came 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


1 1 1 1 American Express’ FICO Score Requirements, Starwood Preferred Guest’s Amex and Inside Industry Scoop on Credit Scores

April 17, 2015

By Larry Chiang American Express’ FICO Score Requirements, Starwood Preferred Guest’s Amex and Inside Industry Scoop on Credit Scores.  I  used to work for Amex. Can’t provide too much more detail without giving away the precise risk formulae: I can’t comment on answers anonymously but Larry Chiang‘s answer totally nails it 1a/ Embed video on YouTube: […]

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‘Never Let Silicon Valley Intimidate You’ Subj Twitter Hashtags Turn Into Star Wars Emojis

April 17, 2015

4/16/15, 9:07 AM By Larry Chiang When I was young, I was too young and dumb to be intimidated.  Let’s file this post under “never let Silicon Valley intimidate us”. Twitter (@twitter) 4/16/15, 9:21 AM The Force is strong w/ #StarWarsEmojis. Use these hashtags & they’ll appear: #StormTrooper#BB8#C3P0 Learn more:‚Ķ This does not work!! […]

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Mark Suster, risk, startup employee, early employee, reward, #5th – #12th employee at a YC company SUX, 11:11

April 16, 2015

By Larry Chiang As a CS major we do not have to ask ourselves: “Is it Time for You to Earn or to Learn? ” Being fifth employee to twelfth employee stinks – You as the 5th make 1/30th what founder #3 makes – There is a lot of risk pre money – There […]

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Mentee Mentor Dynamic via MMPPI

April 16, 2015

By Larry Chiang My journey has been a stratospheric one, facilitated by mentors. I pay attention to the paths of others Notice Emily Smith’s Mentor Mentions Per Press Interview #MMPPI Sharon Gannon’s Dharma Talk At Jivamukti Yoga NEW book coming out 11-11-2019 “What They Will NEVER Teach You at Stanford Business School” Fashion Week’s front […]

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CS major CRO (in the making)

April 16, 2015

By Larry Chiang This blog post may only help one person… VIA TEXT: “Checked out videos from Larry: 145V and 145W (can’t remember full video titles).” LARRY CHIANG ANSWER: “145V”Is “145W”Is You wanna quote‘s For example, PG of YC stresses “sales” What PG loooks for in founders Nice notes… -1- the money.  […]

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ENGR 145 Intro

April 15, 2015

By Larry Chiang It’s true. I’m the one that cracked the FICO algorithm. If you don’t know the credit scoring, American system, it’s the equivalent of deriving an unsolvable math construct. And then posting those secrets that the monopoly hid and tried to hide.  None of that legendary accomplishment matters: All that is entrepreneurially important […]

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MMPPI (rough notes)

April 14, 2015

By Larry Chiang MMPPI is the metric of tracking mentor mentee mind meld. I listened to these student athletes cite a lot of mentors. MMPPI stands for “Mentor Mentions Per Press Interview”. April 13, 2015 was amazing because these students mentioned so many mentors during their speeches.  2015 co-captain, coterm students Below are snippet samples […]

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“It’s $300 per”

April 13, 2015

By Larry Chiang Someone nominate me for the Nobel Prize in Econ cuz I’ve done legendary work again.  You may know me from my Poet’s Surprise Prize quality blog post “#EUBM” (Engineer Up a Business Model). Well, I’ve innovatively done legendary work again: Larry Chiang (@LarryChiang) 4/3/15, 6:50 PM $300 #LeadGen$300 credit line.$300 reward to […]

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7 Fascinating Data Points When “Customer Development Cycle” Fails

April 5, 2015

By Larry Chiang Asse9 Austin Secret (@asse9) 4/5/15, 10:50 AM 7 Fascinating Data Points When “Customer Development Cycle” Fails cc @LarryChiang #ENGR145 The “Customer Development Cycle” itself doesn’t fail.  All y’all fail at teaching 7 “Customer Development Cycle”. I name names because this issue kills dead ivy alums and even a few GSB kids who haven’t heard […]

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