Subscribe NOW

Enter your email address:

Text Message our CEO:


or on twitter

Free Resources

Click Here to learn more

In The Media

Hack Your Credit FICO Score as a Stanford CS Major Undergrad

by Larry Chiang on April 10, 2012

Larry Chiang graduated engineering school with a FICO over 800 and so did Duck9 co-founder Matt Smith. Leveraging his hacked credit score, he self-funded his small business and now teaches creative founder financing and street smart legal at Stanford Engineering. His class on ‘technology entrepreneurship’, Engineering 145, is also the focus of his Bloomberg BusinessWeek column “What They Don’t Teach You at Business School”. He preaches street smarts. After Chiang’s Harvard Law keynote, Harvard Business wrote: “What They Don’t Teach You at Stanford Business School“ (it’s the same title as his NY Times bestseller). He will be the first to admit that three mentors helped him. Larry Chiang is Entrepreneur in Residence at Stanford University. If you read his hilariously awesome “What a Supermodel Can Teach a Stanford MBA” and “How to Get Man-Charm”, you will like his latest post:

Hack Your Credit FICO Score as a Stanford CS Major Undergrad.

By Larry Chiang

I am the guy that hacked a high FICO score by reverse engineering an algorithm. I got really really rich by junior year in college because I was taught by three mentors. Usually, I just blog about entrepreneurship and hacking the transition from engineer undergrad to working-in-the-real-world engineer.

For example, I reverse engineered how to graduate with the #1 highest starting salary* by getting 3 legendary internships the entrepreneurial way.


Hacking up a good FICO credit score is tantamount. Back when I was an undergrad — I hacked the fair Isaac credit scoring algorithm. I encroached  on their intellectual property and trademark but did not infringe or violate it. Yes, all this credit mentorship is barely legal. OMG, my brain is still on the five week Spring Break I took. Sorry. It is all legal.

I repeat: This is all legal.

-1- Jack Up Your Credit Score: Add 24 1’s

1s are on-time credit payments.

But I can’t get a credit card NOW and I’m a motivated Freshman… Plus I know that co-signed credit cards dont help.


Ask yourself, "What is 11:11"? “11:11”

Ask yourself, “What is 11:11”?
1’s are on-time credit payments.

24 ontime payments that correlate to your social security number.
24 1s that are quite easy to do…, but way easier not to do it.

-2- Get the family power bill in your name.

If you’re an orphan or have parents that don’t live in the country. I will put one of my houses power bill in YOUR name. I will park $5k in your account. My monthly power bill is about $350.

If you have parents, get the family power bill in your own name. Then make sure your mom does not screw you by forgetting to pay the APS power bill. APS is in arizona. PG&E is california. Fill-in-your-parents’ state.

-3- Get the family cell phone bill in your name.

I kinda dont trust you enough to put one of my 8 cell phones in your name… but, we’ll will see. Paying a cell phone bill that is attached to your social security number helps your FICO. Getting a cell phone bill in your name helps foreign VCs with their FICO. Yeah, I help VCs too. It also helps entrepreneurs who are now VCs but wreaked their credit when they were volatile income-streamed

-4- Duck the 9’s

Charge-offs kill your credit

-4a- Charge-off paid off collection notice but primary account fails to update that you paid

-4b- Charge-off from college apt utility bill

-4c- Charge-off from unpaid parking ticket

-4d- Charge-off from closed account where you did auto-pay

-4e- Charge-off from closed account where you could not dispute a wrong charge because your account is closed

The hashtag is ‘AmexDuck9’ and here are awesome videos


The Jay Z Concert in Austin Texas where CS major undergrads got to go with me

Larry wrote a sequel to a book he did not write. It came out 09-09-09. It is called ‘What They Don’t Teach You At Stanford Business School‘.


Larry’s book released 09-09-09

This post was cranked out in about an hour so email me if you see a spelling or grammatical error(s)… chiang9 @duck9 com. IF you see something wrong, text me at

Larry Chiang is the founder of Deep Underground Credit Knowledge 9 (Duck9). He hacked Fair Isaac’s FICO credit algorithm and battles lies told by the credit industry such as Fair Isaac’s claim that the average FICO is 720. The real average is 535.

Text or call him during office hours 11:11am or 11:11pm PST +/-11 minutes at 650-283-8008. If you email him, be sure to include your cell number in the subject line.

{ 34 comments… read them below or add one }

Tyler G. November 29, 2017 at 1:10 pm

Four months ago I wanted a house, a car and also to start up my own business but I was denied as a result of my poor credit score. Larry Chiang helped me raise my SCORE TO 775, cleared all the negative information on my credit profile replacing them with astounding trade lines.

I love youuuu

Jane Alfred December 3, 2017 at 8:42 pm

My utmost gratitude goes out to larry chang, REPAIR WIZARD. Some months back, I have really been searching of a good credit expert to help me fix my bad report. He did not just increase my credit score to a high 700s from a low 450s, but also removed some negative items which included a late payment. He is really God’s sent to me.

Greg December 13, 2017 at 4:41 am

This content helped increase my credit score from 435 to 800.

I was really surprised even though I doubted him at first because he told me to pay an upfront service charge. What a service. He is completely good and trust worthy!

Bridget Hayes December 13, 2017 at 12:41 pm

I can’t believe my credit score! HE’S THE BEST!!

Larry Chiang December 23, 2017 at 1:27 am


Larry Chiang December 23, 2017 at 1:28 am

don’t blow the 800 and go back. I don’t forgive that kinda shitake

Larry Chiang December 23, 2017 at 1:28 am


Larry Chiang December 28, 2017 at 1:51 am

Chiang. Larry Chiang. I have an ‘i’ before the “a”

Larry Chiang December 28, 2017 at 1:55 am

That is my number, don’t wear it out.

Larry Chiang December 28, 2017 at 1:56 am


Olivia December 30, 2017 at 8:53 am

thankk you

nf January 20, 2018 at 10:57 pm

I;m in need of some credit help. I am absolutely confused with how this works, or your service. please shoot me an email.


Larry Chiang January 29, 2018 at 6:30 pm

keep reading and take lots and lots of notes. This is not something you can just skim

Larry Chiang January 29, 2018 at 6:31 pm

pretend youre taking a class in computer science. they engineered the credit system to be difffffffiCult to understand

Kathryn Malone March 1, 2018 at 8:47 pm

I appreciate Larry Chiang for helping me to increase my credit score. He helped me increase my credit score to 810

Ricky Baums April 16, 2018 at 6:07 am

Can you speak to our Delta Sigma Pi chapter?

Linda Anderson May 18, 2018 at 2:56 pm

I just want to thank Larry Chiang for all his hard work. I was very skeptical at first having never heard of someone who would establish a FICO score

Amy Marler July 12, 2018 at 4:30 pm

are you guys hiring in Palo Alto. was at your office and left my resume with Jennifer

Linda Smith July 15, 2019 at 9:00 am

my current credit score is 790 and I have some positive things such as lower payments. TY!

Connie Weigle July 31, 2019 at 12:53 pm

Duck9 and Larry Chang was the best. Visit me at UA anytime 😉

-XoXo Connie Weigle

Paul Mattive August 1, 2019 at 9:13 am

found you on Twitter. my credit score is 800+


Larry Stockwell August 8, 2019 at 9:02 pm

Hello my name is Larry Stockwell, I’m so happy rt now and you will be happy you did what this blog post talks about. Thought Larry Chang was fake, but that 6502838008 info is real. props

Stance Malcolm September 5, 2019 at 11:10 am

My name is Stance Malcolm from University of Illinois and I never believed he could help me build up my credit score to 830

Josephine Jossburgham October 3, 2019 at 8:41 am

Two credit card debit cards were on my Capital One – I?m so referring duck 9

Lucas Vacay October 8, 2019 at 6:00 pm

Thanks again.

Tagan Bumgardener November 4, 2019 at 6:45 am

I was able to get my credit score to 790

Evelyn Banks November 14, 2019 at 10:31 am

Was so easy. Larry Chiang is a real person lol November 21, 2019 at 5:04 am

He helped me and I was able to acquire my house! I believe in credit establishment with Larry Chiang’s method.

Larry Chiang December 3, 2019 at 10:23 pm

why are so many people surprised

Larry Chiang December 3, 2019 at 10:23 pm


Larry Chiang December 3, 2019 at 10:24 pm

happy that you found your way to a FICO of 800+

Debbie mckenzie January 12, 2020 at 2:16 am

I am in need of credit repair as well, not sure how all this works.

Debbie mckenzie January 12, 2020 at 2:19 am

I am in need of credit repair as well, not sure how all this works. Can you email me?


Larry Chiang August 25, 2020 at 5:32 pm

My email and cellphone number are blasted all over this website… Text me

Leave a Comment

Previous post:

Next post: