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


by Larry Chiang on January 16, 2017

By Larry Chiang 

I invented a word for my success. It’s called euress. The opposite of stress, I had to just manufacture reasons why I got lucky. Euphemism is an English word for bullcrap. Duress is a condition where you’re damned

So thus, I made myself do penance. There are 70k tweets that serve as a confessional


Screen shot credit Halle Tecco

Halle Tecco (@halletecco)
If we want equality, we have to acknowledge the flaws of the meritocratic worldview and admit the role of luck ☘️💫🌈…


When You’re Under 50% For Total Sales, Mark It “Sold Out”!?

January 16, 2017

By Larry Chiang Who’s dirtier than a used car sales person at a buy-here-pay-here used car lot on Stevens Creek Road!? The dirty sales person is named Carolyn Bird. Right now, some single number units have actually sold but they put stickers up to imply that they’re almost sold out. I took this picture 1-09-17 […]

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Feb 27 – Mar 3 #UTeWeek

January 15, 2017

By Larry Chiang UTeWeek is University of Texas, Entrepreneur Week kelsi 🌀 (@kelskamin) 1/6/17, 1:48 PM Confirming some incredible speakers & partners for UTEWeek. Looking for VR co’s & general sponsors to get involved!

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Lady-of-the-Lace, FICO’s Under 800, Suck!

January 13, 2017

By Larry Chiang Credit karma has a lot of TV commercials LadyoftheLace (@Heatherina159) 1/2/17, 8:18 PM Just once I want the people in these commercials to check their credit score on Credit Karma and have shitty credit. Make it relatable Larry Chiang (@LarryChiang) 1/12/17, 10:15 AM They do. Fico’s under 800 all, the, time. Remember, […]

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Incubator de la Jason, starts Feb 2017 2 slots left

January 12, 2017

Unedited by Larry Chiang  Friends, The LAUNCH Incubator will start the first week of February and we have five of the seven companies selected — we need two more. We’re looking for startups in our “Goldilocks Zone,” which means: They have modest traction in the market   They are hoping to get a Series A […]

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Credit Card Complaint Over the Phone

January 12, 2017

Larry Chiang (@LarryChiang) 1/12/17, 4:14 PM Trying to lodge a credit card complaint over the phone is like [versus what I recommend, writing a letter!! @duck9]

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Michael Arrington on Twitter Exposes an Evil, Undead Credit Card

January 12, 2017

Michael Arrington (@arrington) 8/26/12, 12:18 PM My Evil Undead Credit Card: via @Uncrunched See what I gave him at this TechCrunch party that can help raise your FICO score up to 100 points — Larry Chiang See “What a Stanford CS Major Can Teach You About Your Credit Score Sent from my iPhone 8 that Steve Jobs […]

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Are You Thinking About Cancelling Your Credit Card Account for the Worst Reason?

January 12, 2017

By Larry Chiang Common for people to get roped into paying X automatically every month.  Pretty common to pay for something that turns out to NOT be worth it.  Extremely common to attempt to cancel the relationship, only to have the charges stick. This pattern is a leading cause of “chargeoff” Okay, so what is […]

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How Strong Is Your Woodie?

January 10, 2017

By Larry Chiang Timber!!!! I love wood. So, I guess a tree as a logo makes me kinda like this city’s local college Larry Chiang (@LarryChiang) 1/10/17, 10:35 AM I see the tree as a persons FICO credit score (photo credit @etherington ) I see the tree as a persons FICO credit score and […]

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Eva Gutowski Did Not Need Silicon Valley VC Money to Start

January 9, 2017

By Larry Chiang Money to get started is on a lot of minds.  Newbies think they need VC permission to start a startup. Duck9 is about Deep Underground Credit and Capital Knowledge. While inside Stanford Engineering, “Technology Entrepreneurship” 145, I learned from expert speakers, How To Make Money While You Make Money is #HTMMWYMM.  So, under […]

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