Larry Chiang, President and CEO


I'll shoot you w/a nerf gun if you don't manage your credit.

11:11 is my goal of getting duck9 consumers lots of 1s.

24 1's in a row equals a 750 FICO.

A "one" is an on-time payment in credit reporting code.

A '9'=charged off bad-debt. You wanna duck 9s.

Duck9 = Deep Underground Credit Knowledge (Duck 9's on your credit report. 9's are charge-offs)

"Making sure college credit virgins get deflowered right since 2004"

"Larry Chiang is an expert at the dark art of FICO score preparation"

from Paul Thompson, Founder Scottish American Capital

Harvard Business School '09

"Who needs Stanford Business School when you have Larry Chiang"

from David Rohrsheim, Draper Fisher Jurvetson

Subscribe NOW

Enter your email address:

Text Message our CEO:


or on twitter

Free Resources

Click Here to learn more

In The Media

91 Rainey Street Pool Deck and Parking

July 27, 2022

Unedited by Larry Chiang  Needs upholstery cleaned at pool Roof deck that overlooks downtown  Glass’s dirty from chlorine splash  Cable’s been out for 4-8 months WordPress’d from my personal iPhone, 650-283-8008, that Steve Jobs texted me on Thank you for calling Camden Rainey Street your home!  As you are aware, the first 2 floors of the […]

Read the full article →

Duck9 Basics Written Up July 26, 2022

July 26, 2022

By Larry Chiang  Duck9 is Deep Undergrad Credit Knowledge  Key is the source code.  Problem: Low credit scores of college students  WordPress’ing solutions from my personal iPhone, 650-283-8008, number that Steve Jobs texted me on.  Full Credit Report.  Getting 3 full Experian, TransUnion and Equifax credit reports without hurting your FICO credit score. FICO is the monopoly […]

Read the full article →

Hiring a Whore and Mercenary to Attack

July 24, 2022 ⁦‪@saifedean‬⁩ How much would it cost a central bank to hire a whore full time to attack bitcoin & bitcoiners to try to subvert bitcoin? Nothing. Central banks’ fake money costs them nothing. Remember this when paying attention to the millionth moron who wants to ‘fix’ bitcoin & bitcoiners!   7/24/22, 7:17 […]

Read the full article →

Canned Goods and Ammunition

July 24, 2022

    Nazeem Elkommos ⁦‪@NazeemElkommos‬⁩ Just got off the phone with my stockbroker this morning and I asked him what I should be buying? He said, “Canned Goods andAmmunition.” Shit May Be Going Down..   7/20/22, 10:57 AM     WordPress’d from my personal iPhone, 650-283-8008, number that Steve Jobs texted me on

Read the full article →

Larry Chiang is humbled to own 100% Larry Chiang Inc

July 24, 2022

  Michael Brito ⁦‪@Britopian‬⁩ Heard this on a client call when talking through an audience analysis:  “I don’t want to talk to 18 yr old dudes” 🤣   7/21/22, 11:30 AM         Larry Chiang humbled to own 100% Larry Chiang Inc ⁦‪@LarryChiang‬⁩ Talking to customers / prospects / audience is work few […]

Read the full article →

Bitcoin Works

July 24, 2022 ⁦‪@saifedean‬⁩ If Bitcoin works, it obsoletes central banks. This is the most economically & politically significant development happening anywhere today. If you’re being distracted from that by people selling centralized securities pretending to be decentralized or jpeg receipts, you are #NGMI   7/23/22, 7:39 AM     WordPress’d from my personal iPhone, 650-283-8008, […]

Read the full article →

Lawrence McDonald on Pushes to Sovereign

July 24, 2022

    Lawrence McDonald ⁦‪@Convertbond‬⁩ The Credit Risk Transfer Lehman 2008: Banks – to Sovereign. Covid 2020: Shutdowns – to Sovereign. Energy Crisis 2022: Public subsidies – to Sovereign. *Governments were forced to bail out banks, lockdowns, and now – oil and gas prices. **Implications???   7/23/22, 7:23 PM     WordPress’d from my personal […]

Read the full article →

Tweets and Pictures by Madi Hilly on Nuclear Power and Minimal Nuclear Wast

July 22, 2022

Myths and reality of nuclear power     Madi Hilly ⁦‪@MadiHilly‬⁩ MYTH: We don’t have a solution to nuclear’s “waste problem” REALITY: Nuclear waste isn’t a problem. In fact, it’s the best solution we have to meeting our energy needs while protecting the natural environment! Here’s what you need to know:   7/21/22, 10:59 AM […]

Read the full article →

Transmission Protection Instrument, (TPI), is AAA Rating on BBB Quality Grade ratings

July 22, 2022

    James Lavish ⁦‪@jameslavish‬⁩ Bottom line. With Lagarde’s announcement today of the newly created Transmission Protection Instrument (TPI), the ECB is effectively using Germany’s AAA-rated balance sheet to monetize Italy’s BBB-rated debt. Anyone else see a problem with this?   7/21/22, 11:25 PM     WordPress’d from my personal iPhone, 650-283-8008, number that Steve Jobs texted […]

Read the full article →

Who Loves Not Working Away From Their Mentor

July 20, 2022

    delian ⁦‪@zebulgar‬⁩ the best way to learn new skills is through in person mentorship so i understand why 32-yr old FAANG workers who have mentally and professionally stagnated like remote work but ambitious people in their 20s want to work and learn in person in an office! who would’ve guessed…   7/19/22, […]

Read the full article →