By Larry Chiang
In Urbana Illinois, I studied engineering and was friends with uber hot girls. They were all in Kappa Alpha Theta because I dated a theta for 3 years. Yup, I’m that guy. Anyway, I heard a ton of credit card problems because I listen.

UCMS/Duck9 was and is my attempt to solve a business problem, I myself didn’t have: low FICO.
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Larry Chiang (@LarryChiang) |
10 Hard Fast Mistakes I See Time and Time (Again) #Duck9 with Hot Women’s Credit Score Issues [START] pic.twitter.com/htH9ERBkIx
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Larry Chiang (@LarryChiang) |
Right at the core: look at the raw hardcore credit data [email, cellie, utilities and #ExpTransFax‘s data]. And fix it up.”
—#LarryChiang pic.twitter.com/Z1QlzhnHVX |

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Larry Chiang (@LarryChiang) |
2a/ Connect your email address to
– eBay, –@amazon, –@Uber –@PayPal, 2b/connect your real world address to those accounts] @LarryChiang pic.twitter.com/BU1nh3Tkk3 |
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Larry Chiang (@LarryChiang) |
3/ Grind out the detailed process of credit-info-on; credit-information-reported.
(650)283-8008 @LarryChiang pic.twitter.com/4999r1oltS |
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CEO of Duck9, Larry (@6502838008) |
4/ CHECK the work. I trust the privately owned credit bureaus (in constant +perpetual Violation). But I confirm every morsel
—@LarryChiang pic.twitter.com/ac2r4lh8tD |
See the pictures at
pic.twitter.com/ac2r4lh8tD to knowledge activate credit card, credit scores using pictures.
pic.twitter.com/ac2r4lh8tD to knowledge activate credit card, credit scores using pictures.
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Larry Chiang (@LarryChiang) |
5/ In the old days, Victoria Secrets Limited brands credit card via the catalog wrecked FICO. Now, #poBox16589= friend”
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I am trained to not even see boobs or butt (WHICH I LOVE!!!!), I only see FICO score before Larry Chiang, FICO score AFTER #larryChiang.
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Larry Chiang (@LarryChiang) |
5/ “Use a Pen.”
–@LarryChiang pic.twitter.com/LBgBzALtay |

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Larry Chiang (@LarryChiang) |
#6 –A pen correlates, jives and adheres to American credit laws. Leverage this truth.
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Larry Chiang (@LarryChiang) |
7/ When you get to a FICO over 800 (& subsequently feel like a fraud), read this Time Magazine feature on me 🖖 time.com/3450660/feel-l…
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Larry Chiang (@LarryChiang) |
8/ The 3 credit bureaus are privately owned like a Nordstrom. But, instead of a liberal return policy & great customer service, they are BAD pic.twitter.com/cnRfXCT3fB
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Larry Chiang (@LarryChiang) |
#9; “I know you do not know what a catch-22 is. My expertise gets experts over #TheChasm. Oh wait, you don’t know that either” #ENGR145 FICO pic.twitter.com/CiSZb8iHEF
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Larry Chiang (@LarryChiang) |
10/ Do not be intimidated by Stanford (Engineering). Majority of entrepreneurship @YouTube videos are at the 8yo level.
#cs183CS #ENGR145x pic.twitter.com/o4hEN9sKXQ |
![]() |
Larry Chiang (@LarryChiang) |
10 Credit Mistakes I See Time and Time with Women’s Credit Scores
[END] pic.twitter.com/vqhKi9lekK |
![]() |
Larry Chiang (@LarryChiang) |
10 Hard Fast Mistakes I See Time and Time (Again) #Duck9 with Hot Women’s Credit Score Issues [START] pic.twitter.com/htH9ERBkIx
|
![]() |
Larry Chiang (@LarryChiang) |
Right at the core: look at the raw hardcore credit data [email, cellie, utilities and #ExpTransFax‘s data]. And fix it up.”
—#LarryChiang pic.twitter.com/Z1QlzhnHVX |
![]() |
Larry Chiang (@LarryChiang) |
2a/ Connect your email address to
– eBay, –@amazon, –@Uber –@PayPal, 2b/connect your real world address to those accounts] @LarryChiang pic.twitter.com/BU1nh3Tkk3 |
![]() |
Larry Chiang (@LarryChiang) |
3/ Grind out the detailed process of credit-info-on; credit-information-reported.
(650)283-8008 @LarryChiang pic.twitter.com/4999r1oltS |
![]() |
CEO of Duck9, Larry (@6502838008) |
4/ CHECK the work. I trust the privately owned credit bureaus (in constant +perpetual Violation). But I confirm every morsel
—@LarryChiang pic.twitter.com/ac2r4lh8tD |
![]() |
Larry Chiang (@LarryChiang) |
5/ In the old days, Victoria Secrets Limited brands credit card via the catalog wrecked FICO. Now, #poBox16589= friend”
|
![]() |
Larry Chiang (@LarryChiang) |
5/ “Use a Pen.”
–@LarryChiang pic.twitter.com/LBgBzALtay |
![]() |
Larry Chiang (@LarryChiang) |
#6 –A pen correlates, jives and adheres to American credit laws. Leverage this truth.
|
![]() |
Larry Chiang (@LarryChiang) |
7/ When you get to a FICO over 800 (& subsequently feel like a fraud), read this Time Magazine feature on me 🖖 time.com/3450660/feel-l…
|
![]() |
Larry Chiang (@LarryChiang) |
8/ The 3 credit bureaus are privately owned like a Nordstrom. But, instead of a liberal return policy & great customer service, they are BAD pic.twitter.com/cnRfXCT3fB
|
![]() |
Larry Chiang (@LarryChiang) |
#9; “I know you do not know what a catch-22 is. My expertise gets experts over #TheChasm. Oh wait, you don’t know that either” #ENGR145 FICO pic.twitter.com/CiSZb8iHEF
|
![]() |
Larry Chiang (@LarryChiang) |
10/ Do not be intimidated by Stanford (Engineering). Majority of entrepreneurship @YouTube videos are at the 8yo level.
#cs183CS #ENGR145x pic.twitter.com/o4hEN9sKXQ |
![]() |
Larry Chiang (@LarryChiang) |
10 Credit Mistakes I See Time and Time with Women’s Credit Scores
[END] pic.twitter.com/vqhKi9lekK |