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

The reason you don’t like bitcoin yet is because you have no idea what money is, Phil Geiger

November 24, 2019

Phil Geiger (@phil_geiger) 11/23/19, 7:40 AM The reason you don’t like bitcoin yet is because you have no idea what money is Blogged from my personal, 650-283-8008, number that Steve Jobs texted me on

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Myths Debunked via Deep Undergrad Crypto Knowledge, DUCK

November 24, 2019

Reid Hoffman (@reidhoffman) 9/5/19, 7:12 AM Inspired by ⁦‪@Lin_Manuel‬⁩, I produced a battle rap music video about centralized and decentralized currencies, pitting Alexander Hamilton against Satoshi Nakamoto. Watch the full video: 👉 Trailer below. Palo Alto, CALIF By Larry Chiang Reid Hoffman produced a battle rap video where Alexander Hamilton goes against Satoshi […]

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Reverse Annual Fee Stacking Sats

November 23, 2019

By Larry Chiang Do you plan on spending the Satoshis or investing the sats from your Reverse Annual Fee? Trezor (@Trezor) 11/23/19, 4:12 AM I saw a guy #stackingsats today. No whining in Twitter. No bear market complaints. No price checks every second. He just simply stacked those sats. Entered the amount needed in his Trezor in-wallet exchange […]

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Seeing Email Subject Lines as If They Were Your Attempt to Document Code and Street Smart Work

November 21, 2019

By Larry Chiang Problem: new founders and pre Entrepreneurs will email once and then give up Counterintuitive but true = Sending 10-15 email updates is not spamming. It’s an avalanche of documentation.  There are fans of this type of hustle. There are critics and detractors.  Nick Spiller (@Nick_Spiller) 5/27/12, 1:32 AM ⁦‪@ntippmann‬⁩ you are not a […]

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Card Forum Call for Speakers Ends November 22

November 21, 2019

By Larry Chiang Card Forum Prospective Panel, Credit Scoring for Card Marketers Who Hate Our Risk Department Is this cat a solid yes or a liquid maybe Thermodynamics applies to credit scoring has jokes that just write themselves. Key takeaways  (1) Selecting verticals that coincide with credit worthy applicants (2) Gas ~> solid at credit scorings […]

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Taboo Topic of Money

November 16, 2019

 By Larry Chiang What they don’t teach you in school is money and Treasure Management.  I always wondered why credit and money was not taught in school. As per Robert Kiyosaki, school is to help you get a job. Robert Kiyosaki wrote Rich Dad, Poor Dad. His biological dad is a PhD and poor. […]

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The Problem Technical Founders Have

November 15, 2019

Technical founders often lose their money. This post explores ducking bankruptcy as a tech founder. Cautionary tale: Nicolai Tesla. Problem: Tesla, like Nicolai Tesla and JP Morgan started a company. Tesla made zero. (GE founder = Morgan; hat tip @GarryTan for #netflix Rec). #nonEmployeeCoFounder is like a “selfie No Self”. Tom Brady took the selfie. […]

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Acing University of Texas Entrepreneur Week, 2020

November 10, 2019

By Larry Chiang University of Texas Entrepreneurship Week, , will take place March 2, 2020 ~ March 17, 2020 Nothing is set in stone yet. These dates are based on extrapolations from 2019 How nearly everyone does #UTeWeek is that they kinda half-ass it. People will chase celebs and free food. Students will avoid real work. Participants […]

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Where Stars Come From And Why People Rise

November 8, 2019

By Larry Chiang It’s staggering, the volume of people under mentor Mark Marquess I’ve maybe helped five baseball players with their FICO score from 1990 to 2016 Mentors.  Notice how Bill Clerico mentors the eagle to avert his face and gaze downward so that the eyeballs appear correctly in the Eagle Larry Chiang @duck9 (@LarryChiang) […]

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Analyzing ROI for an Exorbitantly Priced VIP Event

November 8, 2019

By Larry Chiang My first trip to SF had a price tag of $60,000. It was for Hambrect and Quist’s Technology Conference.  Mark McCormack said, “If I didn’t get my ROI for the four day Hambrect and Quist event, that he’d refund me the difference” As Mark McCormack’s mentee, I wanna get you your ROI […]

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