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

Subscribe NOW

Enter your email address:

Text Message our CEO:


or on twitter

Free Resources

Click Here to learn more

In The Media

11 Things About “Stanfurdh”

by Larry Chiang on April 18, 2015

Coterm students. Co-captained the basketball team. Stanford
By Larry Chiang
Have you heard of me!? 
I’m the guy who installed Parkland community college hustle inside an Illinois engineer brain. Urbana. So, when I came to Stanford as a season ticket holder, my skill-set was attractive because, let’s be honest: Stanfurdh undergrads were mega douchie ~ 2006-2007*
Larry Chiang (@LarryChiang)
Brennan @BScarlett17, enjoy @Stanford‘s MS&E dept! Meet my mentors Tom Byers and @tjkosnik @StanfordEng #ENGR145

Brennan Scarlet and me are public school undergrads.

Larry Chiang (@LarryChiang)
@BScarlett17 it is probably waayyyyyy comforting that MS&E’s #TomByers is Cal, Cal, Cal and then later Stanford. Me?! Im buck card club

Here are 11 things about Stanford University

-1- It’s just the best university, by far. 
I get emotional:
I remember all the people that got screwed by “the system” at University of Illinois. 
Wasn’t Cal the same!?

Larry Chiang (@LarryChiang)
My gift to u, @Cal_Engineer: #CalEweek. It’s open source. It’s IP free

“Rachel” was setting up Berkeley Entrepreneur Week. I asked her why she didn’t call it “Cal E week”. She said the university owns “Cal”

I love Cal students. But the admin is set up in a system that is public School to-the-core.
/2/ Stanford office hours
OMG, it’s like a buffet. All the staff access you could dream. At Illinois, I set the bell curve and my professors couldn’t pick me out of a baseball lineup. 
Heck, the BUSINESS SCHOOL welcomes you sitting in on classes. The address is 656 Knight
/3/ Everyone is special. 
/4/ Munger’s washing machines are FREE
What. The. Heck. 
New washing machines are free. I know, Brennan Scarlett, the trainers wash your stuff… But omg, right!?
/5/ Just cuz the ice cream is free at Flo Mo doesn’t mean you should eat it
/6/ “Training Table”
Everyone gets to eat training table quality food. 
/7/ Training TABLE at 641 Campus used to have speakers speak to you student athletes
For example: “Lisa Falzone” 
This leads me to my next point [and refer to your, Brennan Scarlett’s, dept: “MS&E” #TomByers #TomKosnik]… 
/8/ You’re going to be encouraged to “do entrepreneurship”
Focus on football Brennan. Compartmentalize entrepreneurship into Engineering 145, “Technology Entrepreneurship”. It’s a summer class too. Summer is when incoming freshman take a class. Brennan, isn’t your brother a Frosh here!?
Need a minimum viable entrepreneurship concept!? “NFL retirees doing franchise concepts at the Pro Bowl without risking one nickel” (When you eat at Mongolian Grill in Menlo Park, know that it’s not a franchise. So nfl retirees CAN franchise it).
/9/ Wearing that cardinal Red “S”
A lot of MBAs just wear their undergrad schools stuff. Remember, donning that “S” will make you feel weird. I recommend you
- immerse and wear your new “17” shorts over the a Haas networking party
- change your profile pic
- no civil wars with yourself.
- your new friends have some idea where you’re from (but not really)
- your old friends have some idea about your new situation (but don’t)
- thank goodness you’re busy
/10/ MS&E is awesome
It’s like an MBA.
/11/ I’m so sorry for the “Cal sucks” shirts
You and I (and Kirby Chiang!) know the ways Cal wasn’t perfect. Forgive the Cal sucks shirts. Kirby was Cal undergrad and now at StartX
#ENGR145’s two anchor videos move you to the right on the entrepreneur bell curve 
Is a bit ly I memorized that links to
CEO of Duck9
Stanford University’s Founding EIR (Entrepreneur in Residence)
Duck9 = Deep Underground Credit Knowledge 9
c/o UCMS Inc
2021 Midwest Road / 3rd FL
Oak Brook IL
650-283-8008 (cell)
Founder of “What They Don’t Teach at Business School” for CNN iReport:
Author, NY Times Bestseller
“What They Will NEVER Teach You at Stanford Business School about EUTWMPPM @SXSW” comes out 11-11-14
52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering
Emergency swings and cutting deals as an 9 year old
There is a John Wooden poster at Training Table. Wooden’s goal was to install a 22 year olds brain inside a freshman. It’s my goal to install my mentors’ (Mark McCormack’s, Tom Kosnik’s) brain inside my brain


The Business Model of Trans Union and Experian

April 17, 2015

By Larry Chiang Credit bureaus make money selling derogatory information.  The entire USA credit system is meant to obfuscate the truth from the general population! – None of it is common sense – few know FCRA  – most advice is not FCRA compliant – technology is not present – paper stamps and paper letters (so […]

Read the full article →

1 1 1 1 American Express’ FICO Score Requirements, Starwood Preferred Guest’s Amex and Inside Industry Scoop on Credit Scores

April 17, 2015

By Larry Chiang American Express’ FICO Score Requirements, Starwood Preferred Guest’s Amex and Inside Industry Scoop on Credit Scores.   I  used to work for Amex. Can’t provide too much more detail without giving away the precise risk formulae: I can’t comment on answers anonymously but Larry Chiang‘s answer totally nails it 1a/ Embed video on […]

Read the full article →

‘Never Let Silicon Valley Intimidate You’ Subj Twitter Hashtags Turn Into Star Wars Emojis

April 17, 2015

4/16/15, 9:07 AM By Larry Chiang When I was young, I was too young and dumb to be intimidated.  Let’s file this post under “never let Silicon Valley intimidate us”. Twitter (@twitter) 4/16/15, 9:21 AM The Force is strong w/ #StarWarsEmojis. Use these hashtags & they’ll appear: #StormTrooper#BB8#C3P0 Learn more:… This does not work!! […]

Read the full article →

Mark Suster, risk, startup employee, early employee, reward, #5th – #12th employee at a YC company SUX, 11:11

April 16, 2015

By Larry Chiang As a CS major we do not have to ask ourselves: “Is it Time for You to Earn or to Learn? ” Being fifth employee to twelfth employee stinks – You as the 5th make 1/30th what founder #3 makes – There is a lot of risk pre money – There […]

Read the full article →

Mentee Mentor Dynamic via MMPPI

April 16, 2015

By Larry Chiang My journey has been a stratospheric one, facilitated by mentors. I pay attention to the paths of others Notice Emily Smith’s Mentor Mentions Per Press Interview #MMPPI Sharon Gannon’s Dharma Talk At Jivamukti Yoga NEW book coming out 11-11-2019 “What They Will NEVER Teach You at Stanford Business School” Fashion Week’s front […]

Read the full article →

CS major CRO (in the making)

April 16, 2015

By Larry Chiang This blog post may only help one person… VIA TEXT: “Checked out videos from Larry: 145V and 145W (can’t remember full video titles).” LARRY CHIANG ANSWER: “145V”Is “145W”Is You wanna quote‘s For example, PG of YC stresses “sales” What PG loooks for in founders Nice notes… -1- the money.  […]

Read the full article →

ENGR 145 Intro

April 15, 2015

By Larry Chiang It’s true. I’m the one that cracked the FICO algorithm. If you don’t know the credit scoring, American system, it’s the equivalent of deriving an unsolvable math construct. And then posting those secrets that the monopoly hid and tried to hide.  None of that legendary accomplishment matters: All that is entrepreneurially important […]

Read the full article →

MMPPI (rough notes)

April 14, 2015

By Larry Chiang MMPPI is the metric of tracking mentor mentee mind meld. I listened to these student athletes cite a lot of mentors. MMPPI stands for “Mentor Mentions Per Press Interview”. April 13, 2015 was amazing because these students mentioned so many mentors during their speeches.  2015 co-captain, coterm students Below are snippet samples […]

Read the full article →

“It’s $300 per”

April 13, 2015

By Larry Chiang Someone nominate me for the Nobel Prize in Econ cuz I’ve done legendary work again.  You may know me from my Poet’s Surprise Prize quality blog post “#EUBM” (Engineer Up a Business Model). Well, I’ve innovatively done legendary work again: Larry Chiang (@LarryChiang) 4/3/15, 6:50 PM $300 #LeadGen$300 credit line.$300 reward to […]

Read the full article →