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 Money Equation

by Larry Chiang on October 20, 2014

By Larry Chiang 
I’m fascinated that money is so on people’s mind, but never addressed head on. 
Money as a topic fascinates. I engineer and hack money to be “Treasure Management”. I curated 15 books under the hashtag “#Ch2″. I wanted to call this post “Duck, Duck, Duck9’s”
A 9 is a super special form of bankruptcy that is incredibly common. It stems from “credit code 9″ where a bank just waves off a loan as charge-off. The bank thinks your loan is not worth 15c on the dollar. Charge-offs are the bases for a company I started in college
Anyway, VC is venture capital. 9’s happen in VC all the time. Arthur Rock refers to this as “the walking dead”. Startups don’t go down in a ball of flames and startups don’t get dragged through bankruptcy court. Startups get ABC’d (assignment for benefit of creditors). It is the VC and LP version of credit code 9. LP is limited partner. They fund VCs. 
As ceo of Duck9, I wanna fund you. It is the basis for the “Larry Chiang 100% Affiliate Program”. It was started when I taught ENGR145, “Technology Entrepreneurship” at Stanford University in Palo Alto, Calif. 
The old way was for VCs and LP’s just cut you a $200k check. Then you go incorporate “google”. {[Or reincorp if you're VC is making you recap*]}. The new way to fund you is to tickle tease you with two to five subroutines. Then see if you execute
Me and my LP just wanna see and smell if you execute. For example, execute these signature business subroutines 
- #PopUpInternship (1-5)
- and do WE WANT DOers, so #CS183Do
Asse9 Austin Secret (@asse9)
How to Startup “You, Inc.”,
DJ up 2 API’s. #DJapi‘s 

“create nothing.
Sell something”


Larry Chiang (@LarryChiang)
How to Startup “You, Inc.”,
#8of23 #CS183B 
8/ give some poor soul help bc I’m helping u. It’s karma and Karma is tracked & measured

To recap, I’m doing this in the real world Jan 15 1pm at Stanford. 2015. 

Larry Chiang (@LarryChiang)
Knowledge via Deep Underground Credit Knowledge 9 #DuckDuckDuckThe9‘s


Larry Chiang (@LarryChiang)

Do a twitter search: 

{The core of this technique is to sprinkle sales skills on top of CS (computer science)}

Larry Chiang (@LarryChiang)
this is the umpteenth time a YC partner has implored “Do things that don’t scale” #dttdsBHM #DTTDSbhm ;-) #CS183do

Five of the 29 steps are “pop up internships”

Larry Chiang (@LarryChiang)
29 steps in pre-entrepreneurship. 17 steps after #ConsciousCompetence #PurposefulAE #CS183do @reidhoffman‘s concept: “You Inc” i blogged

Do 24 of 29 steps which is pay a credit card that is in your name. So, 24 months in a row, pay a credit card that is linked to your social security account number. This gets you a FICO over 750. Credit score = capital cash access

The next 17 steps I’ll text you 


UnOfficial SXSW Preview, January 2015 in Silicon Valley

October 17, 2014

Larry Chiang’s stared down at Fair Isaac’s FICO lies about the average credit score being 723 and helped consumers get a FICO, up over 702. He studied entrepreneurship at Stanford University while supporting student athletes as a “Buck Cardinal Club” member. After Larry’s Harvard Law School keynote, Harvard Business wrote: “What They Don’t Teach You […]

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This is Duck9’s 1111th Post

October 17, 2014

Larry Chiang made the FICO score algorithm his bitch (his words not mine). It helped consumers get a FICO, up over 773. He studied entrepreneurship under Silicon Valley’s best and brightest. Then curated that knowledge as a Stanford University Buck Cardinal Club member. After Larry’s Harvard Law keynote, Harvard Business wrote: “What They Don’t Teach […]

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Stanford University BASES (cont’)

October 16, 2014 (cont’) Peak at the Nvidia auditorium lecture #3 of CS 183B where PG (Paul Graham) explicitly stated “Do not do a startup in college” Paul Graham (@paulg) 10/13/14, 2:02 PM @jaymanpandya @zinyando Since I’m alpha curator here in Silicon Valley, it is my expert opinion that what Ricky and PG are saying actually is in […]

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Larry Chiang’s Tweet to Stanford University BASES

October 16, 2014

PALO ALTO, Calif. October 16, 2014 by Larry Chiang BASES (@BASES) 10/15/14, 10:16 AM @LarryChiang @drea_sy @rickyyean @StartX When do you think is the optimal time to start a startup? #collegestartup #themeofthemonth Stanford BASES asks, “When is the optimal time to start a startup?” My co-hort mentor, Ricky Yean, past-BASES-officer, YC-alum, co-founder, SSE-labs -StartX-resident, alsop-Louie-VC, answers… Ricky Yean (@rickyyean) 10/15/14, 12:35 […]

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Singaporean Interns, How to Intern in America

October 15, 2014

By Larry Chiang    NUS has a class called NVC    It’s good. After taking New Ventures Creation, get an internship   Or if you didn’t take NUS’ NVC @stanford, just self-study ENGR 145 #ENGR145.  Then get an internship in America. Here is HOW TO GET AN INTERNSHIP THE ENTREPRENEURIAL WAY   Larry Chiang (@LarryChiang) […]

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In Silicon Valley, You Go From Intern to Legendary in Three Summers

October 15, 2014

3 legendary internships, 1 study abroad stint 5 legendary, pop-up internships Maybe co-term. — Larry Chiang (@LarryChiang) October 5, 2014 By Larry Chiang  Larry Chiang (@LarryChiang) 9/19/14, 1:46 PM In Silicon Valley, you go from intern to industry legend in about three summers Singaporean students, I’m “Larry” Download the official Twitter app here ENGR145’s two anchor videos […]

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Pop Up Internship #1 to Pop Up Internships #5

October 15, 2014

holy ‘Naperville Park District’, batman! Pop Up Internship #2 is at Cosmo. #vegas — Larry Chiang (@LarryChiang) October 15, 2014 By Larry Chiang  You Attention Deficit Disorder’d, CS majors with all your job opportunities… Heaven forbid, all y’all commit. Lol these pop up internships are 7 hrs. Get in, get it on and then […]

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Do a Satellite Event to Someone Else’s Anchor Conference (LABCS 3320)

October 14, 2014

Update: How to Engineer An Anchor Event and Satellite Event #ENGR145 — Larry Chiang (@LarryChiang) June 28, 2011 By Larry Chiang I have a Jedi in Business Administration (JBA). Jedi’s do things that amaze. I anoint JBAs by teaching how the magic gets done. I break down the itty bitty street smart things that […]

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Practice Entrepreneurship Like a Doctor at Stanford Hospital

October 14, 2014

By Larry Chiang Med school students practice on cadavers all-the-time. Wouldn’t it be weird if they did not?! As startup practitioners, we just practice on something alive. A new crying corporate entity. This newbie is born premature and is a loosely organized group of individuals in search of a business model. That’s how Steve Blank […]

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