Larry Chiang’s book, What They Don’t Teach You At Stanford Business School, has an entire chapter devoted to “Character Compassing”. As CEO of Duck9, he helps institutions make credit receivables less risky and plays the other side to by getting college consumers get a FICO over 750. Post Harvard Law School keynote, Harvard Business wrote: “What They Don’t Teach You at Stanford Business School“. This post is about, “College students’ FICO credit score preparation to become appx 748.6”.
NY Fashion Week has supermodels getting a high FICO credit score because I supermodel on-the-side |
By Larry Chiang
I got a question via email from Lucas at University of IL:
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Larry Chiang (@LarryChiang) |
“I don’t quite understand your envelope idea. Why wouldn’t merely paying off your account do the same thing?” #31envelopes
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Larry Chiang (@LarryChiang) |
#31envelopes.
#1 goes to #POBox105281ATL30348 #poBox105281 #2- 31 depends on what #ExpTransFax spits back pic.twitter.com/6xMiTasQiY |
Yes, envelopes #2 – #31 depend on what Experian, Trans Union and Equifax [#ExpTransFax] tell you. They are the oligopoly of credit bureaus. No, the government does not record credit payments. #ExpTransFax are for-profit companies

This video shows I’m a fan of technology.
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Larry Chiang (@LarryChiang) |
PO box mail that credit bureaus receive cannot be discarded. Mail that is tampered with, carries a prison term. #PObox105281 #31envelopes
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Engineering 145 moves you to the right on the entrepreneur bell curve using sequenced business recipes. My mentor taught them to me and I made hashtags to curate those recipes
Gerri Detweiler wrote the “Ultimate Credit Handbook”. The hashtag #31envelopes is a signature business recipe for increasing your FICO credit score
CEO of Duck9
Stanford University’s Founding EIR (Entrepreneur in Residence)
Duck9 = Deep Underground Credit Knowledge 9
c/o UCMS Inc
2021 Midwest Road / 3rd FL
Oak Brook IL
630-705-5555
650-283-8008 (cell)
Founder of “What They Don’t Teach at Business School” for CNN iReport: https://ireport.cnn.com/people/larrychiang
Author, NY Times Bestseller
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Larry Chiang (@LarryChiang) |
PO box mail that credit bureaus receive cannot be discarded. Mail that is tampered with, carries a prison term. #PObox105281 #31envelopes
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If you’d like to email me, text me your email address. Text your email address to https://twitter.com/6502838008

#CUatSXSW IS Champaign Urbana at SXSW