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


MBFW party SEPT 5 /Spring-Summer 2015

August 27, 2014
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Uber’s Referral program / lead gen practices

August 27, 2014

Dear Tips at TC: Uber is cheating Background: uber has a referral program that seems too great to be real. First time users get $30. Referrer gets $30. Only I, as the lead generation (referrer) haven’t been getting credit In the lead gen industry, doing a 50/50 split means it’s a $60 total bounty. A […]

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Larry Chiang Sees Your Hail Mary Effort in Silicon Valley. And laughs

August 25, 2014

By Larry Chiang NYSE did it here first. The NYSE tossed a Hail Mary by opening up a first site here. It was the “first major office” outside of NYC according to Few here even know that it’s across from WSGR. It looks like it’s getting mothballed right now? Since then, so many companies […]

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An Ex Credit Bureau Employee Says “Call Me” on Quora

August 22, 2014

By Larry Chiang Calling a credit bureau preserves zero rights. Writing letters is the only way. For example, CEO of Duck9, Larry (@6502838008) 8/22/14, 10:49 AM How do I dispute a debt showing up on my credit report without restarting the clock on it, if it is a legitimate deb… Chiang  Larry Chiang (@LarryChiang) 8/22/14, […]

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Very Likely Merchant Fraud at Chevron San Francisco with Merchant Double Billing

August 22, 2014

12/12/2013 12/13/2013 Sale CHEVRON 00093535 $79.06 Print Transaction Number 24046033347000060672820SAN FRANCISCO, CA 941230000 US In-person transaction copy paste a letter. dispute letter. mail it in to your credit card bank. this adheres to FCRA

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What Steve Ballmer Won’t and Will Be Teaching at Stanford Business School’s STRAMGT 588 Class

August 22, 2014

Larry Chiang studied every class in engineering school before he took it like it was an AP Exam. Chiang’s co-founder Matt Smith graduated with a FICO over 800 which helped them self-fund. Leveraging an augmented FICO’s improved credit score is the bases for ENGR145. Its a class at Stanford Chiang taught on ‘technology entrepreneurship’. Now, […]

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US banks want 10-12 debit card transaction / month. Why?!

August 21, 2014

By Larry Chiang  Larry Chiang (@LarryChiang) 8/21/14, 6:44 PM Why do certain US banks/credit unions require 10/12 debit card transactions per month to give higher interest rates? Download the official Twitter app here Banks want you as their primary. It’s harder to be slutty and less loyal.  What I mean is that you benefit […]

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