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In The Media

Duck9 “Letters of Explanation (Structure, Protocol)”

by Larry Chiang on November 16, 2015

Larry Chiang ‘edited’ the “2+2 MBA”. It’s the early admit, MBA program at GSB-HBS. He encourages CS majors to cram MBA knowledge into their brain before “2+1”. ‘1’ because you wanna be like CS major, Jeremy Stoppelman, and redacted after year 1 at HBS. The #CSmajorCRO skills. For example, months-and-months of pre launch promotions paid off on 09-09-09. What They Don’t Teach You At Stanford Business School hit as a sequel to, “What They Don’t Teach You at Harvard Business School“. Stanford Engineering liked it enough to bring the street smart concept into the fold at #ENGR145. Startup your FICO score by ‘editing your credit report’.

New York Fashion Week will be Sept 9-19, 2016.
— Larry Chiang
CEO, Duck9

By Larry Chiang

A “9” is a chargeoff. A charge-off is a turd that won’t discharge and flush away.
Obviously, you want to avoid and duck getting this type of credit derogatory. Duck 9’s.
Get it, duck 9’s. SO YOU DONT GET “DENIED”.

Anyway, you have a credit code “9” and now you need to execute protocol “#bcsEUTWM9”.  #bcsEUTWM9 is the protocol of writing a Letter of Explanation. This letter helps you get rid of the big stinker on your credit report. 

Larry Chiang (@LarryChiang)
credit report derrogatory addendum letters of explanation #bcsEUTWM…

Download the Twitter app. See  #bcsEUTWM

1. What specific mishap
2. What happened?
3. How did you address the issue?
4. what steps have you taken?
5. How to ensure that it doesnt happen again?
[This blog post is structure only. :-]
Each #bcsEUTWM9 is slightly different. Each Letter of Explanation 
/1/ your specific credit report mishap
/2/ your derogatory.
/3/ how you addressed the issue.
4/ the steps you took
/5/ What are you doing to ensure it won’t hurt the future credit obligation.
Pro tip: tip a mortgage pro a $100 gift card. Then ask them to voluntarily pen a Letter of Explanation 
Holy Mary and Joseph…, that’s all they do is water down and mitigate bad credit report items. 
Right now your credit report looks like a piece of turd (if your FICO score is below 800). I saw at y-Combinator’s, Stanford University’s event, this phrase that applies:
“Polish Up Your Turds”
Polishing Up Your Turds. Getting super rich. 
We are from the Midwest: Polishing Up Your Turd Experian Trans Union & Equifax report and getting approved for your loan. 


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