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

NBA Players Get Double Billed Too #poBox7718

by Larry Chiang on September 30, 2016

By Larry Chiang
As a credit expert, I’m telling you that this SFMTA double billing issue is pervasive and patternistic. 
VC credit score is in jeopardy of dropping below the Mendoza line due to just one chargeoff. 

CEO of Duck9, Larry (@6502838008)
SFmta #poBox7718 (94130)/ double billing / countermeasures = memo section/ paper trail/ ticket dispute/ wesley leung

Your multi, multimillionaire basket ball player/VC credit score is in jeopardy of dropping below the Mendoza line 

BROOK, please pay your parking tickets with a paper check. 
Here is why: pay-by-credit card entails human data entry which is prone to juxtaposition. You need a paper trail for when the paid ticket appears as a collection on your Experian, Equifax and TransUnion. 
Patterns. Like the 280 versions of the pick and roll offense, I see patterns in charge offs. 

<big, big heart ❤️❤️❤️❤️❤️>


How To Engineer Up Invisible and Visible Rainbows

September 30, 2016

Ligonier, PENNSYLVANIA  9/29/16, 3:04 PM By Larry Chiang Stuff never really dies- The energy state changes.  First of all water is a universal conductor. It conducts electricity, thoughts and small electrical currents between your ears. Water also bends light and breaks down sunlight (or nearly any light) into spectrums.  There are rainbows everywhere, all the […]

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Speed {Mentor} Seduction

September 29, 2016

By Larry Chiang My sequel is Speed {Mentor} Seduction. Because seducing women buries you in puddy (bad). Seducing mentors buries you in mentors aching to help. #cs183puddy Larry Chiang (@LarryChiang) 9/29/16, 12:04 PM Ross Jeffries The Game – Official Speed Seduction® | How to pick up women | How to seduce women — Ross Jeffries […]

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Dream Force Party List

September 29, 2016

Larry Chiang (@LarryChiang) 8/21/16, 9:08 AM DreamForce Party List #DF16… San Francisco  San Francisco. 

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Think of money management like its a submarine or a 3 bedroom house with a pool. Access is layered & complicated. #cs183mm

September 28, 2016
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Consumer Finance Protection Bureau Fines a YC Company

September 28, 2016

By Larry Chiang  TechCrunch (@TechCrunch) 9/27/16, 2:39 PM “Good guy” loan startup LendUp fined $6.3M for overcharging by @JoshConstine Enforcement of laws is very political.  Entrenched payday lenders are incredibly dirty and outspend the CFPB 25:1. For every dollar, Consumer Fin Protection Bureau spends, their opposition spends 25.  Welcome YC kids to my mentors’ […]

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#p2pInsurance Is Peer to Peer Insurance

September 28, 2016

By Larry Chiang Larry Chiang (@LarryChiang) 9/21/16, 2:21 PM #p2pInsurance@sequoia – which VC is on the @Lemonade_Inc board?  Sequoia (@sequoia) 9/21/16, 10:21 AM Congrats to @Lemonade_Inc! Customer in New York can now get insured and settle claims instantly, anytime, and from any device.…

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Carl Brown

September 28, 2016

By Larry Chiang Credit in America will always have urban myths. This post is appx 75% accurate. While ~75% gets you a solid B+ at the University of Illinois engineering school…,  Carl Brown (@moneyism_) 9/17/16, 4:32 PM My husband (with debt) doesn’t want to run his free credit report because he thinks they’re run by […]

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RenterInc has goal to make tenants more accountable

September 28, 2016

Renter (@RenterInc) 9/17/16, 6:16 PM @thekellygarland @cosmog Our Goal at @RenterInc is to make tenants more accountable for their tenancy. There is nothing wrong with that goal

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Jedi Masters #SMX

September 27, 2016

Andy J Simpson (@ndyjsimpson) 9/27/16, 5:18 AM #smx is like a Star Wars convention, full of geeks waiting to hear the latest from their Jedi Masters! #smxeast @dannysullivan

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