Larry Chiang, President and CEO Duck9.com

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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

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In The Media

Ross Credit Card

September 21, 2025

Comenity Bank used to be World Financial Network National Bank (WFNNB) It was originally established in 1989 as part of Alliance Data Systems (now Bread Financial Holdings, Inc.) to handle private-label credit card services for retailers like J.C. Penney and The Limited. In 2012, WFNNB rebranded to Comenity Bank, while its sister institution, World Financial […]

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current status of getting Strategy’s credit instruments rated

September 20, 2025

    Adam Livingston ⁦‪@AdamBLiv‬⁩ What’s the current status of getting Strategy’s credit instruments rated? Is anyone working on a model for Bitcoin collateral companies? Or are we sitting on our hands and waiting for some intern at Moody’s to start a paradigm shift in Excel?   9/19/25, 9:29 PM     – Michael Saylor’s response […]

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Post by Michael Saylor is Pioneering at the Bitcoin Credit Market Frontier

September 20, 2025

    Michael Saylor ⁦‪@saylor‬⁩ ⁦‪@AdamBLiv‬⁩ Our existing BTC Credit model is published on our website. It is generalizable to any company holding Bitcoin as collateral for a credit instrument, and we are now pursuing credit ratings. strategy.com/credit   9/20/25, 11:08 AM     Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including […]

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Post by Larry Chiang, on Retards

September 20, 2025

    Larry Chiang, 650-283-8008 ⁦‪@LarryChiang‬⁩ Retard   9/18/25, 11:18 PM     Mark Sanchez Explains Why Caleb Williams Can THRIVE Under New Bears HC Ben Johnson youtube.com Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including #ch2 which’s chapter 2 at my house in Napa California http://www.youtube.com/watch?v=ejeIz4EhoJ0 On 09-09-39, “What They Will […]

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Brian Chesky Fix Your App

September 20, 2025

    Larry Chiang, 650-283-8008 ⁦‪@LarryChiang‬⁩ cc Brian.Chesky@airbnb.com This kind of guest experience would poison 5-25 against using Airbnb. I adhered to all their terms and “House Rules” 2 cats were constantly throwing up and defecating all over the house. Host said sorry and claimed that they were not her cats The   9/20/25, 8:39 AM […]

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Fees Levied Over 10+ Dats After Checkout and a Litter Box Right By the Dining Room Table at 9 Indian Hill Lane, Laguna Hills CA 92653

September 20, 2025

    Larry Chiang, 650-283-8008 ⁦‪@LarryChiang‬⁩ pic.x.com/FIfkszdjWc   9/20/25, 8:31 AM     cc Brian.Chesky@airbnb.com This kind of guest experience would poison 5-25 against using Airbnb. I adhered to all their terms and “House Rules” 2 cats were constantly throwing up and defecating all over the house. Host said sorry and claimed that they were not […]

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ReInvent November 30 to December 5. Venetian

September 19, 2025

    Larry Chiang, 650-283-8008 ⁦‪@LarryChiang‬⁩ AWS re:Invent #30Nov2025 Agenda | Amazon Web Services hosts #reInvent reinvent.awsevents.com/agenda/   9/16/25, 11:14 AM     https://x.com/larrychiang/status/1015372383819948033?s=46 Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including #ch2 which’s chapter 2 at my house in Napa California http://www.youtube.com/watch?v=ejeIz4EhoJ0 On 09-09-39, “What They Will NEVER Teach You at […]

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Federico’s Mexican Food

September 19, 2025

This shiitake works every time 100% of the time Problem. The dumpster looks trashy. Solution you’re gonna make it look better     Larry Chiang, 650-283-8008 ⁦‪@LarryChiang‬⁩ Federico’s Mexican FoodBuckeye Arizona #ch6 #externalAPImaps.apple.com/place?address=…   9/19/25, 10:11 AM     Great news There’s a problem. Near Fred Rico‘s Mexican food is a Bank of America with 13 1.0 star […]

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Warrants Over Cash

September 19, 2025

– Kevin Malone’s post highlights a potential scam where brokers might replace GameStop’s warrant dividend, due October 3, 2025, with cash, undermining shareholder rights as outlined in the company’s September 9, 2025, announcement of a $1.9 billion warrant-based dividend, which could signal synthetic share issues backed by SEC’s fails-to-deliver data showing cumulative delivery failures. – […]

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Super Fielder Pop Up

September 18, 2025

    Larry Chiang, 650-283-8008 ⁦‪@LarryChiang‬⁩ The number of people with– Engineering chops– Accy experience– Law. #cs18aw– forensic credit underwring– car sales exp at the highest levels Rare. #cs183audit. pic.x.com/7dyVoSzBFE   10/27/18, 12:30 PM     Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including #ch2 which’s chapter 2 at my house in […]

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