Larry Chiang, President and CEO Duck9.com

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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

Fico Score SXSW

by Larry Chiang on March 13, 2026

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Ella ion Music at Paseo SXSW Launch Party

March 13, 2026

March 12 Paseo at 80 Rainey Street

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Jason Wells, Virgin Coder. Pro Little League Coach

March 13, 2026

– Jason Walls, an IBEW master electrician, built ChargeRight using Claude AI despite no coding experience, automating NEC 220.82 load calculations to show 70-80% of EV owners avoid unnecessary $3,000-$5,000 panel upgrades  Yesterday Mark Cuban reposted my work, DM’d me, and told me to keep telling my story. So here it is. I’m a Master […]

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Aren’t You Embarrassed

March 13, 2026

To be clear — (1) Garry should be embarrassed for tweeting this. (2) If it’s true, that CTO should be fired immediately. (3) Whenever I think I’ve finally hit the bottom of “VCs are mostly stupid + lucky (other than my friends),” one of them manages to find a new bottom. Sherveen Mashayekhi (@Sherveen) 719 […]

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The Fin System is FCUK’d

March 13, 2026

Nobody is telling you how FUCKED the financial system actually is right now. And it started cracking TODAY. Step 1 → JPMorgan just marked down its private credit loans and RESTRICTED lending to private credit funds. Step 2 → Morgan Stanley is now BLOCKING redemptions at its SungHoon Lee, IQ 276 (@sungleeiq) 4K likes · […]

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Mass Surveillance in Illinois via Age Verification for Operating Systems

March 10, 2026

Illinois Joins “Age Verification for Operating Systems” Bandwagon youtu.be video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve  Lemonade Stands and Gua Gua Guacamole at Stanford Engr 145 (Tech Entrepreneurship) youtube.com

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Keeping 2 Camps Happy

March 9, 2026

This is the harder question, and I think the honest answer is that the structural dynamics make most prescriptions very difficult to execute. But here’s what I’d say: The token can’t be un-issued. So any prescription has to work within a system where everyone (treasury, employees, community, investors, etc.) has direct financial exposure to the […]

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Pizza

March 8, 2026

Way too much Oil in this Pizza . Would you eat this? 😱😱 #viral #shorts #fyp #fypシ #pizza youtube.com Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including #ch2 which’s chapter 2 at my house in Napa California http://www.youtube.com/watch?v=ejeIz4EhoJ0 On 09-09-39, “What They Will NEVER Teach You at Stanford Business School” debuts […]

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Larry The Linux Penguin Penguin9

March 8, 2026

NVIDIA’s CEO says OpenClaw did in 3 weeks what Linux took 30 years to achieve “OpenClaw is probably the single most important software release ever. If you look at its adoption, Linux took some 30 years to reach this level. OpenClaw, in what is it, 3 weeks, has now surpassed Pirat_Nation 🔴 (@Pirat_Nation) 3K likes […]

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Fico Score Credit Specialist, Larry Chiang

March 7, 2026

Fico Score credit Specialist youtube.com

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