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

Why Arb?

October 8, 2017

10:10 October 8, 2017 By Larry Chiang Why arbitrage? Alpha (males) speak in code. Arb is arbitrage. When you’re listening to a group of alphas at a networking event, people drop so much lingo that it’s SO CONFUSING. If you’re chasing a higher valuation…, all you care about is arbitrage. If your goal is to […]

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The Monopoly Man

October 5, 2017

By Larry Chiang  ‪In Silicon Valley, I’m the only one who knows that the FTC caused, allowed (& allows) and amplified the oligopoly  The Monopoly Man (@wamandajd) 10/4/17, 7:48 AM Hello! The Monopoly Man is here to raise attention to Equifax’s get-out-of-jail-free card, forced arb. #RipoffClause… ‪so I did what SF does and […]

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October 3, 2017

Larry, I wish you were around when I was young, before I screwed myself. Now I’m 36, disabled vet, work full time and get VA benefits 4k a month. I make 68k a year at my boring job. But because I wasn’t raised to manage my credit or money and was ignorant about the two […]

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#FreeCreditReport on Credit Bureaus

October 1, 2017

#FreeCreditReport (@freecreditrepor) 10/1/17, 7:30 AM Credit bureaus. Welcome to #LarryChiang‘s 1999 understanding of our #FinTech world. It’s 2017 & it does not change 🔥🔥🔥🔥. Updates via 🔮🔮… Larry Chiang (@LarryChiang) 10/1/17, 7:30 AM Credit bureaus. Welcome to #LarryChiang‘s 2009 understanding of our #FinTech world. It’s 2017 & it does not change 🔥🔥🔥🔥. Updates via 🔮🔮… What’s 2027 […]

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Baby Arbitrage

September 27, 2017

By Larry Chiang How To Make Money While You Make Money Before Brian Chesky arbitraged an AirBnb mattress, they arbitraged cereal boxes at the Democratic National Convention. Sent from my iPhone 8 number that Steve Jobs texted me on

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September 24, 2017

By Larry Chiang  Why are the best engineers forking digital cash versus forking credit bureaus.  Hold on to your butts with both hands because we are about to travel down the rabbit hole  Larry Chiang (@LarryChiang) 9/24/17, 9:45 AM Instead of forking an ether of a Bitcoin-like-cryptocurrency, maybe someone should effen fork a credit bureau #IForkedAnEvvia […]

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Olivia Munn on Being a Jobapreneur

September 21, 2017

TheWrap (@TheWrap) 9/19/17, 12:32 PM .@oliviamunn Lost Money on ‘Ocean’s Eight’ Cameo: Studio Wouldn’t Pay for Met Gala Glam  Ocean 8. It’s an unofficial prequel to Oceans’ 11. And it’s Olivia Munn cameo required an investment on her part. 

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Cryptocurrency Job Listings

September 21, 2017

AngelList (@AngelList) 9/20/17, 1:34 PM Crypto job listings have nearly doubled in the last 6 months.

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Postmaster General Says Wha????

September 15, 2017

By Larry Chiang Larry Chiang (@LarryChiang) 9/15/17, 2:06 PM The postmaster general is so dumb, he’s got his head seeing again his 😭Re Social security number transport protocol #poBox105281 All the Equifax social security numbers lost were due to man-in-the-middle attacks at the tech competence of the 11th grade level…, I, #LarryChiang, recommend that […]

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Garry Tan and I on The Counterintuitive Stuff in YC, Stanford Engineering and Everywhere

September 15, 2017

By Larry Chiang Garry Tan (@garrytan) 7/7/17, 2:34 PM @andreisavu @rabois @paulg So many: Spending too much money, not working hard, not making a good product, not doing enough sales, not charging enough, hiring poorly What a nice dinner conversation we had Joseph Vasquez and Neilda Pacquing and friends that Joe gathered together! Here’s the […]

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