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

How Scrapbooking Helps Visualize A High Credit Score or Even Financial Goals

April 18, 2019

By Larry Chiang Visualizing goals. We hear successful people doing this. It is annoyingly everywhere. All the advice is actually intimidating. Do you agree? Let’s start small. Let us begin with a couple executable items. Let’s scrapbook up some some things… First things, first.  Tweet or text me your collegiate financial goal. And don’t say […]

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Explaining Power Bottom

April 15, 2019

Power bottom. When Nick and Nick get RBIs at the last and second to last position, this is a metaphorical and metaphysical example of setting up a “money basecamp”. Power bottom lets the pitching staff relax. 🌲Runs at 8&9 hole > 🐶Runs. I forked 51 lectures inside a Stanford school* that I did NOT graduate […]

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All of Victoria’s Secrets About a High FICO Over 800, Exposed

April 8, 2019

PALO ALTO, Calif.  by Larry Chiang Spilling all her secrets would boil your brain!  If you care about mitigating minimizing and eliminating the largest expense in your life, INTEREST… here are three credit secrets about Victoria’s Secret. You see a high FICO score reduces your cost of renting money.  1] VS credit Dept super slutty […]

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How Do You Wipe Out Wealth

March 20, 2019

By Larry Chiang Money. Money has a compression algorithm that’s complicated. Wealth can get wiped out when the government starts printing a lot of money.  Crypto Millionaire App (@eagletwitt3r) 3/20/19, 9:29 AM ⁦‪@NickSzabo4‬⁩ #Socialism in #Venezuela has been super efficient at destroying wealth. As usual, the most vulnerable: elderly pensioners, teachers, children have been hit […]

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What’s Real

March 16, 2019

Larry Chiang (@LarryChiang) 3/16/19, 9:39 AM Totally real. What’s great about being a shih tzu with a really fluffy butt, is that we don’t get stopped ten times a second [literally 10x/sec] by betas asking, “Hey Larry. Did you get height augmentation or is all your money just from (faux institutional) venture capital?” I […]

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Mark Bergen and Larry Chiang on Board of Directorships

March 13, 2019

By Larry Chiang Corporate boards! Those rules can screw us engineers who are founders if we are not comprehending of the rules  Mark Bergen (@mhbergen) 3/13/19, 8:54 AM Do you like stories about corporate governance at large tech companies and/or Google kremlinology? Well boy do we have a story for you. Reading the “source code” […]

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Who Blogs During SxSw? Larry Chiang Does

March 8, 2019

Austin TEXAS By Larry Chiang The negative effects of smartphones has never been more clear. The power of the cellphone is actually draining attention from the serendipity THAT IS LITERALLY all around us.  About last night… At the Bryan Menell Austin Tech Happy Hour Mixer, I met up with Mike Cronin and Whurley  Bryan Menell, […]

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I Wonder If Amex Will Approve Me for the Bonvoy App American Express Card

March 5, 2019

By Larry Chiang Trolls have called me a connector. A connector is a person who hosts and connects people. As if connecting is a bad thing! Well, I also connect computer money protocols. Yes, USA currency has a protocol where based on the fico algorithm, we set how much money you’re figuratively worth. Pun, intended.  […]

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Vika at Stanford Cal Alumni Mixer Asked Me a Credit Score Question at 111 Minna

February 22, 2019

PALO ALTO, Calif.  By Larry Chiang Adversarial Cal alums are a form of energy. Let us use that energy for positivity and go from a FICO of zero to a credit score of 810+ Larry Chiang (@LarryChiang) 12/13/18, 11:30 AM Vika asked me a bunch of credit score questions. For example, “If your credit line […]

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The Practice Of Entrepreneurship

February 8, 2019

By Larry Chiang My yoga mentor Giselle says to us, “Yoga isn’t a perfection it’s a practice” This concept of practice applies to entrepreneurs and pre-entrepreneurs.  – Doing basic distribution work.  For example, can you sign up one or two people per hour for some service or app.  – Doing Things that don’t scale.  For […]

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