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

Larry Chiang (@LarryChiang)
Stages of points arbitrage or/and credit score gamification:

8/ exit the Game within a game. Spinout of the original.

Larry Chiang (@LarryChiang)
Stages of points arbitrage or/and credit score gamification:

4/ AssuMe the Game rules don’t change and 0 innovation happens :-))

There are nine stages. 

I pattern recognize 9 stages. 
Larry Chiang (@LarryChiang)
Stages of points arbitrage or credit score gamification:
1/ rely on urban myth and verbal mentorship.
2/ read rules yourself


Mismanagement of Social Security Numbers By Undergrad and MBA Tech Founders

November 30, 2015

By Larry Chiang By now, the story of self funding our undergrad business should be common knowledge. We used high FICO scores to build Duck9. As an undergrad, think of your social security number as your future Delaware corporation “Tax ID Number”. Your social security number is your tax ID number. If you’ve read “Start […]

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Networking Via Non Traditional Methods

November 30, 2015

By Larry Chiang Have you read my article on GigaOm, “How to close a deal via Voicemail”? It is What They Don’t Teach You at Business School. Well, here is how to close for a higher FICO score via computer subroutine, “#PObox2000“. Yup, a subroutine that doubles as a real world location in Pennsylvania. Think […]

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(650) 283-8008 text to get Special FTC Form to Print

November 29, 2015

By Larry Chiang My real cell phone number is 650-283-8008. I approve of this:  

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650-283-8008 Free Credit Report Form Larry Chiang Stanford, Entrepreneur In Residence (EIR), Larry Chiang Recommends

November 28, 2015

By Larry Chiang Protocol, “Get a credit report” involves basic protocol subroutines. Subroutine #1a: print out FTC, Federal Trade Commission form. Subroutine #1b: Prepare envelope Subroutine #1c: Secure a self adhesive stamp in the upper right hand corner 100% of my Congressional testimony from 2000 is still 100% accurate. My testimony is in the 102nd […]

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7 Forms of Entrepreneurship Advice to Avoid From Thanksgiving Weekend

November 28, 2015

by Larry Chiang Thanksgiving is a time of default networking. You are forced to network with family because you’re all around a table. This causes default mentorship. This also causes the worst form of vice to occur: Free advice. I am a victim of being a Motivational Listener. Sure, I sit First Chair Entrepreneurship at […]

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FTC Free Credit Report Form #POBox105281

November 27, 2015


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Girls Who Mail, Mail and Their FICO Scores

November 27, 2015

By Larry Chiang Mail seems as outdated as having a pen pal you handwrite and send via the usps.  But in America, we live under a counterintuitive 1970’s law, so know that mailing mail works. Here is one example.  Larry Chiang (@LarryChiang) 11/26/15, 11:25 AM Asian girl with knowledge of FCRA vs Fortune 500 bank. […]

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Credit Score, GPA and #ThanksgivingClapBack Tweets

November 26, 2015

By Larry Chiang My country, AMERICA, sees people as a three digit FICO score. [300-850] Kelz (@4everKelz) 11/25/15, 12:42 PM Auntie: What that GPA looking like? Me: What that credit score looking like #ThanksgivingClapBack

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Paying a Collection Can Still Leave Your Score Damaged

November 23, 2015

By Larry Chiang I see this all the time. People pay and then are flabbergasted that their credit score is still low. People pay a collection bill and their credit report still has that chargeoff that torpedoes their FICO, lowering it up to 100 points. Larry Chiang (@LarryChiang) 11/23/15, 7:56 AM pay parking fine to […]

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