Larry Chiang scandalously reveals how stuff really works and breaks it down. He has a Jedi in Business Administration. As editor of the CNN iReport channel, “What They Don’t Teach You at Business School” he collects tactical morsels you can use right away. After Chiang’s Harvard Law keynote, Harvard Business wrote: “What They Don’t Teach You at Stanford Business School“ (it’s the same title as his NY Times bestseller). He is Entrepreneur in Residence at Stanford University. If you read his hilariously awesome “What a Supermodel Can Teach a Stanford MBA” and “How to Get Man-Charm”, you will like his latest post:

You’re Invited.

By Larry Chiang

OH THE HORROR

you, the non-supermodel general public can be at a party that took me years to get invited to:

READ

Experience the TOMMY HILFIGER Spring 2012 Collection at Mercedes-Benz Fashion Week.

American Express Cardmembers (no membership req’d) are invited to experience THE WORLD OF TOMMY HILFIGER.
This unique runway experience will feature the fashionably fictitious family, The Hilfigers, and musical guest, Cobra Starship. Join us for a wilderness adventure themed pre-show cocktail party starting at 6:30pm on Thursday, February 16.

Tickets available at 212-721-6500.

DISCLOSURE: I do not make a dime off of this $99.99 ticket.

PLUS: if you re-Pin this on Pinterest, say something nice via Facebook and Twitter about who your favorite Shanghainese, 220lb, male Supermodel is… (uhh, it better be me) I will get you a one hundred dollar voucher for use at any Tommy store.

Yes, it is like a full refund. Like going to a $100 party for free. Like crashing except you bought a tix. Like…

I will stop now.

A full refund? I know I am so cray cray like that. And rich
cray cray = crazy, crazy.

Larry Chiang writes about business, credit, school and entrepreneurship. After a Harvard event he spoke at, Harvard wrote: “What They Don’t Teach You at Stanford Business School“. He spoke at a Stanford BASES event, did Q&A via text message and now teaches us via insightful blog posts. If you liked his BASES keynote, the Q&A via text message, “What They STILL Don’t Teach You at Stanford GSB About Scamming” and, “What They STILL Don’t Teach at GSB About Screwing Someone Hard” you will like his latest post.

by Larry Chiang

Bruce Li kicks butt.

He is like a small Shanghainese dude the size of a Shih Tzu. But he kicks massive ass. How does he do it?

Bruce Li says stuff like “resist like water” but here is how he does it: He uses you to kick your own butt.

Your strengths?! — hurt you
Your momentum?! — gets you on the floor faster.

This jiu jitsu has been seen out in the wild. I was spotted by Remmy Oxley in Perpetual Motion Machine.

This is how you systematize promotion, get momentum you build, and bust catch 22s of entrepreneurship using Entrepreneurial Jiu Jitsu.

Do you see the pattern for a Jan 16 Unofficial SXSW event that I just executed.

Yes, it is my Jiu Jitsu de-mystified

http://bit.ly/vc0116sfm
http://bit.ly/vc0116qb
http://bit.ly/vc0116c
http://bit.ly/vc0116a
http://bit.ly/vc0116sfc
http://bit.ly/vc0116c
http://read.bi/vc0116b
http://on.fb.me/vc0116

Follow me on Twitter @larryChiang or join my 79 person fan club on Facebook. Remember, my book’s 14 chapters are reprinted free at a website called BusinessWeek. If you cannot sleep, watch my 90 minute panel that would’ve put half the room to sleep were it not for my dog Baxter storming the stage to co-moderate.

Good luck hustling hard and effen follow up. If you have a start-up, you can sponsor a party I am hosting at Sundance and SXSW

DISCLOSURE: Duck9 makes money when you get to a FICO score over 700. I do appreciate the monopoly that Congress granted and the FTC is enforcing: It’s the law that states only companies that get college students to high FICO scores (Duck9) can sell a credit card to that college student.

Good luck hustling hard and watch your back. If you sponsor a party, I am hosting events at Sundance and SXSW, don’t change my deal

***** ARTICLE END *****

Follow me on Twitter @larryChiang or join my 7 9 person fan club on Facebook. Remember, my book’s 14 chapters are reprinted free at a website called BusinessWeek. If you cannot sleep, watch my 90 minute panel that would’ve put half the room to sleep were it not for my dog Baxter storming the stage to co-moderate.

Good luck hustling hard and effen follow up. If you have a start-up, you can sponsor a party I am hosting at Sundance and SXSW

DISCLOSURE: I don’t make money from Fraiche. I don’t make money from Topix. I do appreciate the monopoly that Congress  granted and the FTC is enforcing: It’s the law that states only companies that get college students to high FICO scores (Duck9) can sell a credit card to that college student.

Larry Chiang teaches at a school that he could not get into and wrote a sequel to a book he read and re-read one time too many. He edits the Bloomberg BusinessWeek channel “What They Don’t Teach You at Business School”. After speaking at a law school in the Boston area, Harvard Business wrote: “What They Don’t Teach You at Stanford Business School“ (the same title as his NY Times bestseller). He launched his book at a fashion show in NY called Mercedes Benz Fashion Week and wrote, “What a Supermodel Can Teach a Stanford MBA”. If you liked “9 VCs You’re Gonna Want to Avoid” and “How to Get Man-Charm”, you will like his latest post:

What a Supermodel (Male) Can Teach an NFL Celebrity About FICO Scores

By Larry Chiang

When it comes to credit card credit scores, we are all rookies.

Err, you.

You are all rookies.

Have a million dollar contract but bad credit?? It is not *CRAZY* it is cliche. Come to my party within a party and learn “What They Do Teach at NFL Rookie Camp (That They Don’t Teach in School)”

On the droid that Verizon just gave you in your giftbag for free, it is
http://www.duck9.com/blog/uncategorized/what-they-dont-teach-you-at-nfl-rookie-camp/

Your super agent with the super law degree and players union ac-credit-dation (is that even how u spell it? It should be) looks to me for credit score advice and FICO score augmentation.

Join me for a credit tutelage, tutorship. If you can’t make it to the Nike party…, text me cell phone: 650-283-8008. Or if you’re worried I will abuse your cell #, get over yourself and just email my iPhone(s) chiang9 @duck9 with my cell in the subject line or I will never see your email

If you don’t like Nike, come crash the party anyway and bring me a Adidas . Reebok jacket and I will wear it even though Nike sponsors me. We can be hilarryAss like that. On Facebook, the event is here: http://www.facebook.com/events/374927789189678/

I know you guys care about getting into a video game, so I got myself into one too

Q: wtf, are u for real.
Ans: uh huh. And I am serious even when you think I am super jokey-joke-ie… I am being real

Q: what is your intention and hidden intention for helping me. Are u gonna take advantage of me and my cell phone number.
Ans: Look, I have Obama’s 312-804 cellie. I only text him so my articles go right into the presidential record. I am reaching out and networking with u cuz 20 minutes of my time will help u. a lot.

Q: Ok, I am in. How do I find u.
Ans: I am the 6′5″ chinese dude in a suit doing video at the party. I am pretty easy to find. And that is my real cell. I am here all week in Indy so say hi for two seconds and lets talk via phone

Q: Gawd, you’re a great guy — How can I help you.
Ans: U can text me about a cool party you’re going to but I am prolly crashing on the coat-tails of my mentor who founded IMG. Text me anyway!! I luv parties and roll in with no plus ones

Larry Chiang writes about street smarts . After a Harvard Law School keynote, Harvard business wrote:  “What They Don’t Teach You at Stanford Business School“. He spoke at a BASES event, did Q&A  via text message and now teaches us about overcoming fears of entrepreneurship. If you liked his BASES keynote, the Q&A  via text message,  “What They STILL Don’t Teach You at Stanford GSB About Scamming” and, “What They STILL Don’t Teach at GSB About Screwing Someone Hard” you will like his latest post: Raising Your FICO While You’re in an MBA Program.

Before he’s done, you and your startup will have produced an afterparty at Web 2.0 Summit, corralled a TechCrunch feature, hosted an eleven minute party at TED, gotten paid to premier at SXSW.

By Larry Chiang

Congrats on recognizing you have fear and that you need to reach out to me to bust that fear in the face.

Ok, I never answer startup questions but the below answers all happen to suck. A lot.

Ok so lets say you’re launching and you’re decently well-versed with Lean startup method (trademarked by Eric Ries), and now you’re on to getting over your fears and executing.

It seems like you’re a super intelligent, well read first time entrepreneur so here are some patterns I recognized so that you can pattern replicate (and iterate but mostly replicate)

- Fear of getting circumvented.

This is super counter intuitive but you actually want people to rip you off and copy your exact thing.

What??!!

Yes, because it validates you and pushes you higher. For example, I have a presentation called “How to Do What Duck9 Does Without Having to Hire Duck9″

I cold call a conference producer in banking or credit or credit card banking and say: “Pow. I wanna do this preso that in effect kills my business. Want the duck? Err the deck. Do you want my slide deck.”

They say no but ask the name of the speech I want to give.

I say: “How to Do What Duck9 Does Without Having to Hire Duck9″

They then get wet or get wood. Or both

What is the conclusion to the presentation: “How to Do What Duck9 Does Without Having to Hire Duck9″??

Too much work. LETS hire ‘em.

ITs always the conclusion.

Do not fear getting circumvented.

Another example is my venture fund. I live in ground zero of 60% of the vc money in America: Palo Alto CA. I had a VC register ‘every-animal 9′. VCs copy stuff. So I have this idea for a venture firm with a strategy that is pretty easy to copy.

So what do I do??

I drop my pants and do the version of “How to Do What Duck9 Does Without Having to Hire Duck9″ but but for my venture firm— SO I blogged it http://www.xconomy.com/san-francisco/2011/11/22/7-questions-lps-should-ask-vcs-but-dont/

Do you think that the top five venture firms have more resources, more money and more ability to execute my li’l CS-major-CEO-farm-system maneuver than me and my 7 hours per week?!

YES, they have more resources.

But I work and hustle my little venture firm with my one little LP and I am getting to 13,000 cs major ceo cell phone numbers come Noah-the-ark or high-waterj

BUT LARRY CHIANG I DON’T WANNA LOOK LIKE AN IDIOT

ok, here is the thing about entrepreneurship. You are gonna look like an ass 70-90% of the time

You name the legendary entrepreneur and I will tell you the 3-10 times they looked like they had an IQ that hovered below IQ 88

Google IQ 88.

I documented them.

Oh and Friendster was genius. And so is Jonathan. He runs Founders Den. Sure that evite sequel business didn’t pan but learn from Jonathan’s pattern — don’t avoid it completely

I am tired from answering this question. Vote it up at Quora and I will share some mo’

Google me… I’m sort of a big deal :-]

Thank me by sending text message love to             650-283-8008      . Call it and be freaked out when I answer it. Or be overly courteous and email chiang9 @duck9.com, but include my cell to bust through my spam filter.

Getting your own credit report does not hurt your credit.

My mentor, Mark McCormack, who wrote the book, “What They Don’t Teach You At Harvard Business School“.

Checking your own credit does not hurt your credit because it is a “consumer inquiry”. There are three types of inquiries; consumer, advertiser and credit. Credit inquiries are the only ones that hurt your credit. Print and mail the from HERE http://www.duck9.com/free-credit-report-form.htm

-5- Visualize Growth.
Track your FICO progress on a thermometer. Use one like the ‘Jump-rope-a-thon’ fundraising thermometer that you used in grade school.

-6- Get a Fake Mini Loan.
Make small purchases on a Visa/MC account and pay off in full. This is your fake mini loan: owing $20 to American Express, Discover or Capital One Visa. Credit bureaus make no distinctions between $15.50 paid on-time versus $15,500 paid on time. Ignore leveraging this TIP at your own peril. Procrastinate taking action on this TRUTH and risk wallowing in the lower percentiles.

ACTION: Take two seconds and fill this out and mail it in. http://www.duck9.com/free-credit-report-form.htm

-7- Give Good Google.
Get text message reminders you send yourself via google calendar. On the11th and 21st of every month, I login to EVERY ACCOUNT to make sure all are up-to-date.

I also list out every debt obligation on a manilla folder. For built in redundency, I also get paper bills (to my new dorm address).

-8- Bastard Bills Are Killer.
Find the bastard bill(s) and deal with it/them. An example of a bastard bill is a parking ticket from a city you visited. It grows from a $20 violation to some amount over $100 (almost always). Settle this out by negotiating directly with the original biller (and not the collection agency that bought the debt).

For example, City Of Beverly Hills cited you for a $20 ticket. You ignored it and now the bill is in collections for 5x the original amount. Paying the collector is a mistake. Dealing with the collector and listening to their threats and misinformation is a big, big mistake.

-8b- Orphan bills suck too.
Orphans develop when three people share a utility bill, but no one pays the last bill and YOUR name is on the bill. If your name is on the bill, your credit report will get hit.

SOLUTION: Pay bastards and orphans with a physical check. Why?! Checks are legal documents that tip to scale in your favor. Here is how: In the ‘memo section’ of the check, clearly label the bill to be paid and reference number, “parking ticket  6707-9805 + penalties PAID IN FULL”

Once the check is cashed, you now have the matter cleared if you keep a digital picture or photocopy to present to the credit bureaus.

-9- Document It All In Writing.
Complaining in written form preserves your rights. Emailing or calling does not. See my diatribe on FCBA — “Fair Credit Billing Act”. Complain in triplicate to get RESULTS: write in and cc Complaints.com and CreditCard.org.

-BONUS FICO CREDIT TIP- Pay It Forward.
Cut and paste this blog article to your Facebook in a note. Tell other people about what you learned here. This POST IS NOT copywritten so cut and paste to pass this advice forward

Follow me on Twitter @larryChiang or join my 9 person fan club on Facebook. Remember, my book’s 14 chapters are reprinted free at a website called BusinessWeek. If you cannot sleep, watch my 90 minute panel that would’ve put half the room to sleep were it not for my dog Baxter storming the stage.

Good luck hustling hard and watch your back. If you sponsor a party, I am hosting events at Sundance and SXSW, don’t change my deal

***** ARTICLE END *****

Follow me on Twitter @larryChiang or join my 7 9 person fan club on Facebook. Remember, my book’s 14 chapters are reprinted free at a website called BusinessWeek. If you cannot sleep, watch my 90 minute panel that would’ve put half the room to sleep were it not for my dog Baxter storming the stage to co-moderate.

Good luck hustling hard and effen follow up. If you have a start-up, you can sponsor a party I am hosting at Sundance and SXSW

DISCLOSURE: I don’t make money from Fraiche. I don’t make money from Topix. I do appreciate the monopoly that Congress  granted and the FTC is enforcing: It’s the law that states only companies that get college students to high FICO scores (Duck9) can sell a credit card to that college student.

Larry Chiang shows you his signature moves by taking you behind the scenes to break down how business really works. He edits the Bloomberg BusinessWeek channel “What They Don’t Teach You at Business School”. After Chiang’s Harvard Law keynote, Harvard Business wrote: “What They Don’t Teach You at Stanford Business School“ (its the same title as his NY Times bestseller). He is Entrepreneur in Residence at Stanford University. If you read his hilariously awesome “What a Supermodel Can Teach a Stanford MBA” and “How to Get Man-Charm”, you will like his latest post:

Does Applying for Loans and Credit Drive Down Your FICO Credit Score

By Larry Chiang

Seeking that higher credit score while you’re applying for credit is like begging for LP money as a VC at Venture Alpha. It is hard to be dignified when you’re applying.

Here are the credit patterns I observe. I recommend that you pattern iterate and pattern replicate your way to better FICO credit score.

If you are applying for credit, then you and your social security number gets pinged for an INQ. This is a credit INQ and it slightly dings your credit. INQ is credit inquiry.

You wanna fax your credit report — especially if you’re applying for credit as a corporation

If you are applying for credit as a corporation, you are slightly dinged even more when you do not have a fax machine. Companies with fax machines have way more revenue that companies that use jFax, eFax or MyAssFax.

When you’re applying for a personal car loan, you wanna fax or email your credit report to all the people you want a loan from so that they all don’t pull your credit report. You get bonus points for faxing your credit report for your work’s fax. By being at work using their fax you are basically confirming your employment too.

Stop mentally arguing about the pattern I recognize.

The credit world is a world based on laws that favor the use of paper and snail mail postage in the form of a US postage stamp. The rules of credit are written this way so your FICO score is protected via mail and postage (not email and world wide web)

Read about inquiries by googling: Larry Chiang credit hacks inquiries.

This is me:

Larry Chiang
CEO, Duck9
Stanford University’s Entrepreneur in Residence

Duck9 = Deep Underground Credit Knowledge 9
http://www.duck9.com/blog
125 University Ave Suite 100
Palo Alto CA 94301
650-566-9600

****************
Editor of the BusinessWeek Channel “What They Don’t Teach at Business School
http://whattheydontteachyouatstanfordbusinessschool.com/blog
***************
NY Times Bestselling Author
“What They Don’t Teach at Stanford Business School” http://whattheydontteachyouatstanfordbusinessschool.com/

http://www.Twitter.com/LarryChiang

650-566-9696 (direct)
650-566-9600
650-283-8008 (cell)

If you liked this… Larry’s mentor Mark McCormack wrote this in 1983. His own book came out 09-09-09. It is called ‘What They Don’t Teach You At Stanford Business School‘ *** BONUS *** a party invite for you…     Online event registration powered by Eventbrite

This post was drafted in an hour and needs your edits… email me if you see a spelling or grammatical error(s)… larry@larrychiang com

Larry Chiang started his first company UCMS in college. He mimicked his mentor, Mark McCormack, founder of IMG who wrote the book, “What They Don’t Teach You at Harvard Business School”. Chiang is a keynote speaker and bestselling author and spoke at Congress and World Bank.

Text or call him during office hours 11:11am or 11:11pm PST +/-11 minutes at 650-283-8008. Due to the volume of calls, he may place you on hold like a Scottsdale Arizona customer service rep. If you email him, be sure to include your cell number in the subject line. If you want him to email you his new articles…, ask him in an email

You can read more equally funny, but non-founder-focused-lessons on Larry’s Amazon blog .

What A Super Model Can Teach a Harvard MBA About Credit
View more presentations from Stanford University, Bloomberg BusinessWeek, GigaOm, TechCrunch, VentureBeat and 13 Syndicated Outlets

It’s me, Larry Chiang, CEO of Duck9 and NY Times best selling author “What They Don’t Teach You at Stanford Business School”.

I pay YOU a reverse annual fee.

I want to help you hack your FICO, share entrepreneur ideas, get you a few job offers and maybe take you to a b-school where YOU hire THEM to be YOUR bd intern, but I won’t charge you — I pay you. I will even to pay you to eat with you at TRAINING TABLE. But I won’t pay you to read Even my SOLD OUT bestseller on Amazon has free excerpts on all fourteen chapters in at a website called, BusinessWeek. Yes, I write there.

Now to the point:

I finally cracked the code on what it means to have good 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*, teach engineers to be street smart at Stanford and document new stuff I learn. I curate the best stuff for you…

How did I discover it?

I read the “Ultimate Credit Handbook” by Gerri Detweiler and it got me on the right path as a freshman… Now I speak at the biggest confernces, go to and host the best parties, and pressure credit industry leaders tell me their deepest secrets. I wrote about this in Chapter 4 of my book.

I even got to testify as a credit expert at Congress, the Federal Reserve Bank and World Bank. Credit can be boring so I put my supermodel pictures in my slideshare. I am #hiLarryAss like that

BOOK TIP #2: a life-changing book I read in high school: “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 minds in the business including the author of the book.

$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. All you have to do is text me. And because you’re a CS major UNDERGRAD, I will pay you a reverse annual fee.

Save money on life’s biggest expense: Interest

Subscribe now by texting me @650-283-8008 your full name and the phrase ‘reverse annual fee’.

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 are still reading and not texting — effen text me NOW 6-5-0—2-8-3—-8-0-0-8). And include, “reverse annual fee’ phrase so you get priority.

These are the four components to hacking your FICO score:

(1) the pre-credit prep,

(2) peppering positive information,

(3) adding in more positive information into the FICO grid and

(4) confirming that the information went into the FICO grid.

******* TESTIMONIAL ***********

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.”

– Paul Thompson

Founder Scottish American Capital

Harvard Business School ‘09

************************

I told my friend Kelly Jackson about credit mistakes in the video below. She is an anchor for Good Morning ABC News

My dog
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. 9s are credit industry insider code for charge-off. A chargeoff is catastrophic to your credit card credit score)

******* TESTIMONIAL ***********

Stanford had this to say:

_

“Who needs Stanford Business School when you have Larry Chiang”

– David Rohrsheim

Venture Capitalist, Draper Fisher Jurvetson

Stanford GSB ‘13

************************
The FICO credit grid is all the micro, little 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. Let me worry about how it works. Trust me to show you the way

Subscribe now by texting me @650-283-8008 your full name with the phrase ‘reverse annual fee’.

Larry Chiang writes about business school. After a Harvard Business School event, they wrote: “What They Don’t Teach You at Stanford Business School“. He spoke at a BASES event, did Q&A via text message and now teaches us what. If you liked his BASES keynote, the Q&A via text message, “What They STILL Don’t Teach You at Stanford GSB About Scamming” and, “What They STILL Don’t Teach at GSB About Screwing Someone Hard” you will like his latest post: “Tipping, Comping, Tipping and Thanking Hotel Staff”.

by Larry Chiang

There is a secret society that I’m going to introduce you to.

Members of this secret society experience a hotel like an owner of an NFL franchise with an AOL email. Your entry into this secret society depends on your ability to communicate by tipping. In the same way that opposing cold war admirals would move 13 submarines a grand total of 250 yards to communicate acceptance of a back-channel offer, you’ll read first-hand how to out flank 100 Stanford Business School graduates in front of you.

If you’re working the conference circuit to promote yourself or your business you’ll need these five tips for “Tipping Bribing and Comping” which can be found in my YouTube video channel: “What They Dont Teach You at Stanford Business School“

-1-… 8-10 nickels will significantly change your hotel experience.
A nickel here means a $5 bill. A hitter I know tips 8 five dollar bills before he steps into his hotel room. Instead of shunning the bell-hop, he seeks him out and tips him two nickels. Instead of cringing at the $65 day rate to park, he tips 3 more 5s to take the care, pull the bags out AND CALL UP TO THE FRONT DESK from the parkway/driveway.

The last person to tip is 3 5s for the front desk manager with the statement, “Anything you can do by way of a room upgrade I’d greatly appreciate. I apologize for being such a bore to deal with )

-2-… Outmaneuver everyone at a marquee conference hotel location.
First thing that you must know is the lay-out of the facilities. Second thing you need to do is put your lap-top bag down or check it. An advanced strategy is to host something “after hours”. Another advanced strategy is to buy Wall Street Journals (and do an insert or staple an teaser) and pay the bell captain to deliver to the conference attendees (at many conferences, I also get the list).

-3-… Goal is to turn a strange hotel into home-field advantage.
You must work out 10-20 min in the micro hotel gym facilities. It’ll help metabolize the seven gin and tonics you ingested last night.

-4-… Tip $20 at an open bar and use man-charm
Most conference cocktail parties are open bar so tip a $20 and order bubbly and remember the bartenders name.

-5-… Profiling who you are gonna tip at the hotel
This is critical at the front desk when there are five people checking in guests… I pick a person that’s most likely to upgrade me on these criteria
– are they just waiting to go on break?
– are they fresh outta HRM school like NAU (HRM- Hotel Restaurant Management and NAU is Northern Arizona University) and can’t risk breaking any rules?
– My favorite is the most senior of staff… they’d most appreciate the Andrew Jackson I’m slipping underneath my credit card

-6- Bonus Tip. These even work when you Priceline.com the room
Usually, those room sold online are low-floor crap rooms. You won’t get a corner room high floor unless you bribe and tip your way there.

The biggest tip (pun intended)is to be a vacation for the hotel staff. Any type of self deprecating humor goes a long way in breaking up the monotony of dealing with the public.

Enjoy membership into this secret society… If you have questions email them to chiang9@duck9.com and include your cell phone in the subject line. I’ll ping back all emails.

Good luck hustling hard and watch your back. If you sponsor a party, I am hosting events at Sundance and SXSW, don’t change my deal

***** ARTICLE END *****

Follow me on Twitter @larryChiang or join my 7 9 person fan club on Facebook. Remember, my book’s 14 chapters are reprinted free at a website called BusinessWeek. If you cannot sleep, watch my 90 minute panel that would’ve put half the room to sleep were it not for my dog Baxter storming the stage to co-moderate.

Good luck hustling hard and effen follow up. If you have a start-up, you can sponsor a party I am hosting at Sundance and SXSW

DISCLOSURE: I don’t make money from Fraiche. I don’t make money from Topix. I do appreciate the monopoly that Congress granted and the FTC is enforcing: It’s the law that states only companies that get college students to high FICO scores (Duck9) can sell a credit card to that college student.

Good luck hustling hard and watch your back. If you sponsor a party, I am hosting events at Sundance and SXSW, don’t change my deal

***** ARTICLE END *****

Follow me on Twitter @larryChiang or join my 7 9 person fan club on Facebook. Remember, my book’s 14 chapters are reprinted free at a website called BusinessWeek. If you cannot sleep, watch my 90 minute panel that would’ve put half the room to sleep were it not for my dog Baxter storming the stage to co-moderate.

Good luck hustling hard and effen follow up. If you have a start-up, you can sponsor a party I am hosting at Sundance and SXSW

DISCLOSURE: I don’t make money from Fraiche. I don’t make money from Topix. I do appreciate the monopoly that Congress  granted and the FTC is enforcing: It’s the law that states only companies that get college students to high FICO scores (Duck9) can sell a credit card to that college student.

Larry Chiang writes about business school. After a Harvard Business School event, they wrote:  “What They Don’t Teach You at Stanford Business School“. He spoke at a BASES event, did Q&A  via text message and now teaches us what. If you liked his BASES keynote, the Q&A  via text message,  “What They STILL Don’t Teach You at Stanford GSB About Scamming” and, “What They STILL Don’t Teach at GSB About Screwing Someone Hard” you will like his latest post: Raising Your FICO While You’re in an MBA Program.

Before he’s done, your FICO credit score will jump even while you take on thirty grand more in scholarly debt.

By Larry Chiang

Congrats on getting into your MBA program.

If you are one of the lucky few on company scholarship, count yourself fortunate. If you’re financing it yourself, lets boost your future school loan financing alternatives by raising your FICO score.

Yes, my soon-to-be captain of industry, you CAN manipulate, hack and alter your FICO credit score for the better. I am your mentor for “deep underground credit knowledge” and am a master of all things insightful and mundane with regards to credit score. Google me… I’m sort of a big deal :-]

Thank me by sending text message love to             650-283-8008      . Call it and be freaked out when I answer it. Or be overly courteous and email chiang9@duck9.com, but include my cell to bust through my spam filter.

Here are 9 tips to raise FICO.

-1- Urban Myths Sink Ships.
The credit industry wants you dumb, stupid and in the dark. For example, the industry quotes the average FICO score to be 678 or even as high as 700+. The real average credit score is 585.

-2- Get a FICO Mentor.
To the benefit of my twelve readers this week, you can use my cell number or Facebook Austin TX network page and I will mentor you. Who am I? A guy who has credit educated college students and wrote the bestselling, tell-all book: What They Dont Teach You At Stanford Business School

-3- Snail Mail is Your BFF.
Snail mail is mail sent with a 41c stamp. BFF is ‘best friend forever’.

I have made millions steering people towards a higher FICO score. The absolute biggest secret is that postage paid, old school stamps preserve your credit rights. Remember, FCBA stands for “Fair Credit Billing Act”  — not the Fair Credit Biatching Act. Yes, 800 number systems were set-up to short-circuit your rights because voicing a complaint does not document your problem in the eyes of the law (FCBA and FCRA –”Fair Credit Reporting Act”).

-4- Know Your Derogatories.
Dispute borderline negatives after running your credit report. A huge urban myth is that getting a credit report hurts your credit score… it does NOT. I repeat, getting your own credit report does not hurt your credit.

My mentor, Mark McCormack, who wrote the book, “What They Don’t Teach You At Harvard Business School“.

Checking your own credit does not hurt your credit because it is a “consumer inquiry”. There are three types of inquiries; consumer, advertiser and credit. Credit inquiries are the only ones that hurt your credit. Print and mail the from HERE http://www.duck9.com/free-credit-report-form.htm

-5- Visualize Growth.
Track your FICO progress on a thermometer. Use one like the ‘Jump-rope-a-thon’ fundraising thermometer that you used in grade school.

-6- Get a Fake Mini Loan.
Make small purchases on a Visa/MC account and pay off in full. This is your fake mini loan: owing $20 to American Express, Discover or Capital One Visa. Credit bureaus make no distinctions between $15.50 paid on-time versus $15,500 paid on time. Ignore leveraging this TIP at your own peril. Procrastinate taking action on this TRUTH and risk wallowing in the lower percentiles.

ACTION: Take two seconds and fill this out and mail it in. http://www.duck9.com/free-credit-report-form.htm

-7- Give Good Google.
Get text message reminders you send yourself via google calendar. On the11th and 21st of every month, I login to EVERY ACCOUNT to make sure all are up-to-date.

I also list out every debt obligation on a manilla folder. For built in redundency, I also get paper bills (to my new dorm address).

-8- Bastard Bills Are Killer.
Find the bastard bill(s) and deal with it/them. An example of a bastard bill is a parking ticket from a city you visited. It grows from a $20 violation to some amount over $100 (almost always). Settle this out by negotiating directly with the original biller (and not the collection agency that bought the debt).

For example, City Of Beverly Hills cited you for a $20 ticket. You ignored it and now the bill is in collections for 5x the original amount. Paying the collector is a mistake. Dealing with the collector and listening to their threats and misinformation is a big, big mistake.

-8b- Orphan bills suck too.
Orphans develop when three people share a utility bill, but no one pays the last bill and YOUR name is on the bill. If your name is on the bill, your credit report will get hit.

SOLUTION: Pay bastards and orphans with a physical check. Why?! Checks are legal documents that tip to scale in your favor. Here is how: In the ‘memo section’ of the check, clearly label the bill to be paid and reference number, “parking ticket  6707-9805 + penalties PAID IN FULL”

Once the check is cashed, you now have the matter cleared if you keep a digital picture or photocopy to present to the credit bureaus.

-9- Document It All In Writing.
Complaining in written form preserves your rights. Emailing or calling does not. See my diatribe on FCBA — “Fair Credit Billing Act”. Complain in triplicate to get RESULTS: write in and cc Complaints.com and CreditCard.org.

-BONUS FICO CREDIT TIP- Pay It Forward.
Cut and paste this blog article to your Facebook in a note. Tell other people about what you learned here. This POST IS NOT copywritten so cut and paste to pass this advice forward

Follow me on Twitter @larryChiang or join my 9 person fan club on Facebook. Remember, my book’s 14 chapters are reprinted free at a website called BusinessWeek. If you cannot sleep, watch my 90 minute panel that would’ve put half the room to sleep were it not for my dog Baxter storming the stage.

Good luck hustling hard and watch your back. If you sponsor a party, I am hosting events at Sundance and SXSW, don’t change my deal

***** ARTICLE END *****

Follow me on Twitter @larryChiang or join my 7 9 person fan club on Facebook. Remember, my book’s 14 chapters are reprinted free at a website called BusinessWeek. If you cannot sleep, watch my 90 minute panel that would’ve put half the room to sleep were it not for my dog Baxter storming the stage to co-moderate.

Good luck hustling hard and effen follow up. If you have a start-up, you can sponsor a party I am hosting at Sundance and SXSW

DISCLOSURE: I don’t make money from Fraiche. I don’t make money from Topix. I do appreciate the monopoly that Congress  granted and the FTC is enforcing: It’s the law that states only companies that get college students to high FICO scores (Duck9) can sell a credit card to that college student.

Larry Chiang scandalously teaches at a school he used to crash classes at. He edits the Bloomberg BusinessWeek channel “What They Don’t Teach You at Business School”. After Chiang’s Harvard Law keynote, Harvard Business wrote: “What They Don’t Teach You at Stanford Business School“ (it is the same title as his NY Times bestseller). He is Entrepreneur in Residence at Stanford University and a VC. If you read his hilariously awesome “What a Supermodel Can Teach a Stanford MBA”, Enroll in Stanford Engineering 145 and “How to Get Man-Charm”, you will like his latest post about Treasure, Investment and House Money. These are all in Chapter 2 of his book.

By Larry Chiang

“I owe, I owe”
“Its off to work I go”
– Bumper sticker

Debt is a downer.

Losing money in Vegas is a a big downer too. My goal in life and when I visit Las Vegas is to start playing with house money as soon as possible.  House money is money recently acquired or won. House money is much easier to get in real life versus Las Vegas. This blog post will focus on real world house money.

-1- Managing Treasure When You Don’t Have Any

Debt can have momentum.  

If you’re a college student with school debt, you are in danger of getting debt momentum. Debt momentum is when you have school debt and you get credit card debt on top of it. It is not a good idea because the long term debt won’t kill you and your spirit, but your short-term credit card debt will wear you down.

-2- Get On the Right Side of the Interest Rate Equation

You want to lend money versus borrow it.

Remember, when you are depositing money at a bank, you are in essence letting the bank pay you interest to park your money there. There is definitely a right side and a wrong side to the interest rate equation. We want to lend money. We do not want to borrow money.

Me and my co-founders want to start a company that does car loans where the first car loan you get prepares you to never again owe money on a car. You see, I am Chinese and Chinese people only have one car payment. The all cash, cashier check at time of delivery. We might call it the “Larry Chiang Car Loan Company”. Our motto: be chinkie and never owe money on a car.

There is a right side and a wrong side to the interest rate equation. Avoiding credit card debt and car loan debt helps us manage treasure

-3- Manage Down Your Cost of Funds

The biggest expense most of us will have in our life is interest.

Interest is calculated based on how risky we appear to be.
We can manage down our cost of borrowing by appearing less risky. Risk is measured by an archaic system called Fair Isaac Credit Algorithm (FICO). Yes, the system is so dumb that FICA is spelled FICO. YOU CANT CONCOCT a story more silly.

Anyway, FICO scores can be gamed. When I say gamed, I mean hacked. In the same way that computer hackers break into computers, you can hack in and change your credit scores. What computer hackers do is illegal. What you do when you game and hack your credit algorithm is 100% legal. I know because I testified before Congress on this credit issue.

-5- Get a high FICO

24 perfect interactions.

You can either sign up or do it on your own

CEO of Duck9
Stanford University EIR (Entrepreneur in Residence)

Duck9 = Deep Underground Credit Knowledge 9
125 University Avenue/ 100
Palo Alto CA 94301
http://www.duck9.com/ass
650-566-9600
650-566-9696 (direct)
650-283-8008 (cell)

****************
Editor of the BusinessWeek Channel “What They Don’t Teach at Business School”
http://whattheydontteachyouatstanfordbusinessschool.com/blog
CNN Video Channel: http://ireport.cnn.com/people/larrychiang

Read my last 10 tweets at http://www.Twitter.com/LarryChiang

Author, NY Times Bestseller
http://whattheydontteachyouatstanfordbusinessschool.com/blog/?s=Ny+times+bestseller

“What They Will NEVER Teach You at Stanford Business School” comes out 11-11-12

##########
Duck9 is part of UCMS Inc.
http://www.ucms.com
630-705-5555

If you liked this… Larry’s mentor Mark McCormack wrote this in 1983. His own book came out 09-09-09. It is called ‘What They Don’t Teach You At Stanford Business School‘ *** BONUS *** a party invite for you… Online event registration powered by Eventbrite

This post was drafted in an hour and needs your edits… email me if you see a spelling or grammatical error(s)… larry@larrychiang com

Larry Chiang started his first company UCMS in college. He mimicked his mentor, Mark McCormack, founder of IMG who wrote the book, “What They Don’t Teach You at Harvard Business School”. Chiang is a keynote speaker and bestselling author and spoke at Congress and World Bank.

Text or call him during office hours 11:11am or 11:11pm PST +/-11 minutes at 650-283-8008. Due to the volume of calls, he may place you on hold like a Scottsdale Arizona customer service rep. If you email him, be sure to include your cell number in the subject line. If you want him to email you his new articles…, ask him in an email

You can read more equally funny, but credit-issue-focused-lessons on Larry’s Amazon blog .

What A Super Model Can Teach a Harvard MBA About Credit

Larry Chiang yearns to be like R2D2 where most others want to be a Jedi Knight. He reads and regurgitates the best just like R2D2. He edits the Bloomberg BusinessWeek channel “What They Don’t Teach You at Business School”. After Chiang’s recyled Harvard Law keynote, Harvard Business wrote: “What They Don’t Teach You at Stanford Business School“ (it is a smilar title as his NY Times bestseller and his mentors NYT Bestseller). He used R2D2 like qualities to become Entrepreneur in Residence at Stanford University. If you read his hilariously awesome “What a Supermodel Can Teach a Stanford MBA”, Enroll in Stanford Engineering 145 and “How to Get Man-Charm”, you will like his latest post. Skip buying the book and see all 14 chapters of his book on video.

By Larry Chiang

It is true. I sold cars at Village Pontiac in the summer while I was in Engineering School before I graduated with honors. Selling cars helped me get the record highest starting salary working at a Fortune 100 (Nalco Chemical) as a chem sales engineer.

Just like my high school athletic records, I KNOW that record still stands. Its cuz I check it a lot. Seriously.

Yeah I was #1 sales guy at both Nalco and Village.

Yeah, I am a high school athletic hero, college zero.

Do *not* think I am great. I just read and applied a really good book: What They Don’t Teach You at Harvard Business School. It was written by my mentor, Mark McCormack. He is a genius. Skip my NY Times Bestseller and go right to McCormack’s.

I also applied my baseball coach, Augie Garrido’s, teachings (from the bench) and used them at work. His theory is mapped out in Ch11 of my book. Skip buying the book and watch the video: http://youtube.com/larrychiang. Google him. He is Texas awesome.

Right now, I take those mentor morsels that I was taught and regurgitate them at Palo Alto’s Community’s College (PACC). In the engineering program. You may know of PACC by its legal name Leland Stanford Jr University

Be nice and I will let you sit in on my class.

Say nice things about me and you can come to my movie premier at Stanford: http://bit.ly/vc1027m

or Sundance Movie AfterParty
http://www.pehub.com/123451/texas-seed-firm-partners-with-hyper-networker-larry-chiang-to-target-stanford-entrepreneurs/PE Hub:

http://www.pehub.com/123451/texas-seed-firm-partners-with-hyper-networker-larry-chiang-to-target-stanford-entrepreneurs/

Austin Startup:
http://austinstartup.com/2011/10/g51-partners-with-larry-chiang-for-stanford-fund/

What I am saying is that I am gonna stay doing what I have always done. I am gonna stay CEO of Duck9

When I was in engineering school and made the baseball team, became officer at my fraternity, signed on to work at the school paper, started a credit card credit company out of my dorm room…, no one asked me if I was still in engineering school. No one.

CEO of Duck9
Stanford University EIR (Entrepreneur in Residence)

Duck9 = Deep Underground Credit Knowledge 9
125 University Avenue/ 100
Palo Alto CA 94301
http://www.duck9.com/ass
650-566-9600
650-566-9696 (direct)
650-283-8008 (cell)

****************
Editor of the BusinessWeek Channel “What They Don’t Teach at Business School”
http://whattheydontteachyouatstanfordbusinessschool.com/blog
CNN Video Channel: http://ireport.cnn.com/people/larrychiang

Read my last 10 tweets at http://www.Twitter.com/LarryChiang

Author, NY Times Bestseller
http://whattheydontteachyouatstanfordbusinessschool.com/blog/?s=Ny+times+bestseller

“What They Will NEVER Teach You at Stanford Business School” comes out 11-11-12

##########
Duck9 is part of UCMS Inc.
http://www.ucms.com
630-705-5555

If you liked this… Larry’s mentor Mark McCormack wrote this in 1983. His own book came out 09-09-09. It is called ‘What They Don’t Teach You At Stanford Business School‘ *** BONUS *** a party invite for you… Online event registration powered by Eventbrite

This post was drafted in an hour and needs your edits… email me if you see a spelling or grammatical error(s)… larry@larrychiang com

Larry Chiang started his first company UCMS in college. He mimicked his mentor, Mark McCormack, founder of IMG who wrote the book, “What They Don’t Teach You at Harvard Business School”. Chiang is a keynote speaker and bestselling author and spoke at Congress and World Bank.

Text or call him during office hours 11:11am or 11:11pm PST +/-11 minutes at 650-283-8008. Due to the volume of calls, he may place you on hold like a Scottsdale Arizona customer service rep. If you email him, be sure to include your cell number in the subject line. If you want him to email you his new articles…, ask him in an email

You can read more equally funny, but credit-issue-focused-lessons on Larry’s Amazon blog .

What A Super Model Can Teach a Harvard MBA About Credit