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In The Media

My Way Versus Chris’ Way

by Larry Chiang on October 31, 2013

By Larry Chiang
I am so frustrated.

Many college students who are male won’t.
I’m happy to smile thru the frustration because my way exposes the Achilles heel of the credit industry.
My way of getting a free credit report is using paper mail 
My way is to use the united states postal service (USPS)
My way involves the antiquated but highly effective tool of licking a prelicked USPS stamp. If this is your virgin time, the stamp goes in the upper left hand corner.
My was is not Chris’ way. He is a male, junior in college appx 21. Chris thinks getting a free credit report is easier online.
Chris believes tv ads
Chris is wrong
Chris thinks the Internet is advanced and using paper and postage mail is old and wrong
Chris makes the oh-so-common error of trying to use the Internet and common sense.
Credit, credit reports and credit score engineering make nearly zero common sense
Chris to me, Larry Chiang (@ at 650-283-8008): “Hey man know it’s late. Can I give you a buzz in the morning. I did it my way ans did it online. Only received a credit report from trans union
Worked at 33%. Experian and equifax was a no go. I’ll send them via mail in the am”

Remember, I did the slide share:

American Express’ Under-Promoted Credit Truths at Mercedes Benz Fashion Week (MBFW)” 

My Stanford Engineering video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve 
Use the USPS.
Leverage this Achilles heel.
Print out this form:

Here is a riddle:
How many times does a college football player get drafted for Football.


How many credit reports can you request per year?

I do not make the rules*, I just abide by them (the FCRA )

*I did co-author a law. HR 627. The CARD Act. 

CEO of Duck9

MIT University EIR (Entrepreneur in Residence)

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.
More on #ENGR145’s SHIFTING right on the entrepreneur bell curve 

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