I love 11:11

=> 1's are industry lingo for on-time payment.

24 1's = FICO over 700





Read Duck9s press that I wrote:


and more GigaOm




I plan on making money off of you in two-four years when you graduate.

You need a high FICO score and I will offer a low cost loan :-)



I speak at groups like Delta Sigma Pi and Alpha Kappa Psi.

I also host after parties in my pajamas (courtesy Nike dri-fit) and Ugg slippers (courtesy Tony Hsieh CEO Zappos.com)

This party is a sequel to Web 2.0 Summit where web execs pretend to learn from me but all they wanna do is after party more and more










I make money selling you a low-cost car loan or mortgage if you have GREAT credit two years from now









































11:11 = 1s are on-time payment. 24 1s = FICO over 700

9's are charge-offs
a charge-off is a bad debt




On Facebook, I am here


** This page are not meant for public view **


hi there,

It's me, Larry Chiang, CEO of Duck9 and best-selling author of "What They Don't Teach You at Stanford Business School".

My goal is to share ideas and insights, but I won't charge you. 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. 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. I filter out the best stuff for you...

How did I discover it?

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 at Congress and World Bank on credit

BOOK TIP: 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 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. All you have to do is text me.

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 are still reading and not texting -- effen text me NOW 6-5-0---2-8-3----8-0-0-8).

These are the four components:
(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.

from 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)

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

Stanford had this to say:

"Who needs Stanford Business School when you have Larry Chiang"

from 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.

*** END ***

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 They Dont Teach at Stanford about Getting a Higher FICO
- Get 24 perfect interactions with the FICO grid gets you to a FICO over 700


" Making sure college credit card virgins get deflowered right"
- From Duck9's on Twitter profile

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)