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It’s me, Larry Chiang, NY Times best-selling author of “What They Don’t Teach You at Stanford Business School”.

My goal is to share ideas. Even my SOLD OUT bestseller on Amazon has free excerpts on all fourteen chapters in at a website called, Bloomberg BusinessWeek. Yeah, I write there.

Now to the point:

I finally cracked the code on what it means to have a good FICO score, credit card credit. And now I want to teach YOU how so you can learn great techniques and get on with your collegiate life.

Maybe you’ve heard my story. I started off young and naive as an undergrad with zero traditional business training.

But after discovering this game-changing model, I built a million dollar business in my dorm room*, became a bestselling author** and document new stuff I learn at BusinessWeek***.

How did I discover it?

I read “Ultimate Credit Handbook ” by Gerri Detweiler. She was and still is one of the best and brightest credit FICO score building minds in the business. Read her book. Build your credit.

I read another life-changing book: “What They Don’t Teach You at Harvard Business School” by IMG Founder, Mark McCormack. It taught me how to get mentored by the best and brightest minds. I used it to network with and man-charm credit experts and learn from the best FICO score-building minds in the business.

$300,000 of Resources – Yours free

I am going to share with you something mind blowing.

You can get critical credit-building knowledge without ever going to business school and without ever going into debt to do it. Save money on life’s biggest expense: Interest

Subscribe now by texting me @650-283-8008 your full name.

While you are pulling out your cell…, see what I said on Fox News in Houston.

There are FOUR components to building your FICO score (if you’re still reading and not texting — it’s ok). These are the four components: the pre-credit prep, peppering positive information, adding in more positive information into the FICO grid and confirming that the information went in.

Harvard had this to say:

Larry Chiang maneuvers through credit like a downhill slalom skier. He is THE credit score vigilante.

Tagging along for the ride is both exhilarating and terrifying all at the same time. He has testified before Congress and the World Bank. Trust him as your credit guide because he knows 2 stages ahead what moguls to dodge, trees to avoid and cliffs to steer clear.

from Paul Thompson
Founder Scottish American Capital
Harvard Business School ’09


I told my friend Kelly Jackson about credit mistakes in the video below. We both have shih tzus (No I am not gay. Not that there’s anything wrong with it– Its just that I am not :-I

Baxter went on before me (video). But here is Kelly and I talking about D.u.c.k.9 (Deep Underground Credit Knowledge 9- Ducking 9s is good for your credit)

The FICO credit grid is all the micro pieces of information that Fair Isaac collects from the three bureaus: Trans Union, Equifax and Experian. The FICO grid is the one thing that determines your FICO score so adding in positive information raises your credit score.

Subscribe now by texting me @650-283-8008 your full name.

Secrets to getting a legendary credit score will be revealed. Getting an inflated credit score has nearly nothing to do with how much money you have or how much you owe. It has to do with learning…

– 7 Truths of FICO score building success
– Common credit myths
– Coat-tailing your parents good credit and how to double-dip
– Ducking 9’s (9s = credit charge-off)
– 11:11 is awesome because 24 1s = FICO 750. 1s are on-time payments
– Getting credit that makes you look like a millionaire
– Qualifying for a credit card that pays you airline tix.
What a Supermodel Can Teach a Harvard MBA About Getting a Higher FICO
– Get 24 perfect interactions with the FICO grid gets you to a FICO over 700


Stanford University had this to say:

Who needs Stanford Business School when you have Larry Chiang

– David Rohrsheim
Uber GM, Sydney

Duck9’s is also on Twitter  and Facebook.

Subscribe now by texting me @650-283-8008 your full name.

Larry Chiang

CEO of Duck9

p.s. Make sure to message my secret email address, chiang 9 (at) @duck9 dot com if you have any questions or just text my cell phone, 650-283-8008.

p.p.s. If you wanna call me, please text me two min before you try. I keep office hours @11:11am/pm

p.p.p.s. I answer ShAQ (Should Ask Questions)

{ 3 comments… read them below or add one }

lokendra singh June 19, 2014 at 2:15 pm


Fred Filthy October 28, 2016 at 6:16 pm

Larry Chiang is a phony and lives in this fictitious world where he thinks he’s the man. I truly hope no one has been suckered into paying for his services. Let this hack fade away.

Larry Chiang November 19, 2016 at 2:47 pm

I will pay you $1,200 if you can show me your $600.oo receipt before 10-28-2016 at 6:16pm. Remember, if your score is not over 800, I will gladly pay you your $600 fee. See my 100% perfect PayPal rating. This system for credit score improvement works because my mentor, Gerri Detweiler taught it to me

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