By Larry Chiang
After making $55 per lead, your brain gets stale. The money makes us credit executives dumb. Outside of the 2009 credit card CARD Act, my brains been off.
I mean sure I am the primary innovator for “Off credit report data scoring” and a thought leader in ‘thin credit file analysis’… Yup, it led to China’s current DRA (Debit Reporting Analysis). But that was all one decade ago!
I’ll share a li’l secret…
![]() |
Larry Chiang (@LarryChiang) |
|
U a CS major #ENGR145?! I’ve got 3 Capital One execs that would pay if you could determine if the cell’s a Google voice #TcDisrupt
|
|
By ‘secret’, I mean secret in a Peter Thiel-ian sense of secret where the knowledge is known by few.
As curator of the #LarryChiang and “@LarryChiang” account… I saw this “secret”.
As curator of the #LarryChiang and “@LarryChiang” account… I saw this “secret”.
![]() |
Dave Hodson (@davehod) |
|
@LarryChiang just gotta figure out what blocks GOOG has, not that hard
|
|
Do you know how dumb credit executives are!?
The majority of fraud is coming from burner phones, pre-paid cellphones and “Google Voice” numbers.
![]() |
Larry Chiang (@LarryChiang) |
|
Right @davehod ?!
Wanna place a guess as to what pctng of fraud uses a Google Voice number #TCDisrupt |
|
Let me repeat what is common knowledge amongst people with a IQ over 87 and a pulse:
ENGR145’s 2 videos contain 14 hashtags you should execute like a subroutine
I volunteer myself as “non employee co-founder” of your new mini-company concept. A non employee co-founder is like a supermodel who takes a selfie with you and your hawt girlfriend. And then I crop myself out

Selfie no-self has no Trademark.

That is my mouth.



Duck9 is a credit score prep program that is like a Kaplan or Princeton Review test preparation service. We don't teach beating the SAT, but we do get you to a higher credit FICO score using secret methods that have gotten us on TV, Congress and newspaper articles. Say hi or check out some of our free resources before you pay for a thing. You can also text the CEO:







