Subscribe NOW

Enter your email address:

Text Message our CEO:


or on twitter

Free Resources

Click Here to learn more

In The Media

Big Data’s Effect on Credit Reporting and Credit Underwriting

by Larry Chiang on September 23, 2013

By Larry Chiang

I get asked all the time: how does big data alter credit algorithms.

In short, how does all this data, currently unused, get used to make better credit answers

Vulgar Four Word Answer: All the debit data

The credit data is already getting collected. Right now, the debit data is not

Massive amounts of Debit data can be used to make credit decisions

ENGR145’s Anchor Concept: Lemonade and Gua Gua Guacamole 
It moves you to the right on the entrepreneur bell curve 
CEO of Duck9
Stanford University Entrepreneur in Residence, Emeritus
Duck9 = “Deep Underground Credit Knowledge” 9
125 University Avenue/ 100
Palo Alto CA 94301
650-566-9696 (direct)
650-283-8008 (cell)
Editor of the BusinessWeek Channel “What They Don’t Teach at Business School”
Read my last 10 tweets at
Author, NY Times Bestseller
“What They Will NEVER Teach You at Stanford Business School” comes out 11-11-14
52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering
Emergency swings and cutting deals as an 9 year old
Duck9 is part of UCMS Inc.

Leave a Comment

Previous post:

Next post: