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In The Media

This is Duck9’s 1111th Post

by Larry Chiang on October 17, 2014

Larry Chiang made the FICO score algorithm his bitch (his words not mine). It helped consumers get a FICO, up over 773. He studied entrepreneurship under Silicon Valley’s best and brightest. Then curated that knowledge as a Stanford University Buck Cardinal Club member. After Larry’s Harvard Law keynote, Harvard Business wrote: “What They Don’t Teach You at Stanford Business School” (his latest post: “Making Sense of “BCSeutwm” also known as Building Credit Score, Engineer Up a Tidal Wave of Momentum” is also the 1,111th post Chiang has contributed.

My escape from mentoring you on FICO =
My sitting front row at NY Fashion Week.

As a hetero man, it makes the pain of your small but stubborn brain tolerable 😀

By Larry Chiang

Our 1,111th wordpress blog post is significant because 11:11 and 1,1,1,1 pattern replicate a signature business subroutine.

In college getting A’s will raise your GPA. GPA stands for “grade point average”. The more A’s you have, the higher your GPA is. FICO roughly works the same way. Except, instead of A’s, you get 1’s. 1s are ‘on-time’ payment

I’m in my unhappy place when I spell out credit facts to retards…

Anyway, seeking out a series of “ones” is actually tougher than I could ever imagine. First of all, this is a common criticism: “If it were as easy as you make it, more people would do it”


Well, getting 1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1, and 1 is 24 1’s.
24 on time payments of any dollar amount greater than $5.oo. Doing 11:11 aka 1,1,1, and 1 and then 20 more is…

bd26194fa93733b624ec22966dbdb9d9_normal.jpeg Larry Chiang (@LarryChiang)
10/6/14, 11:12 AM
11:11 is #BCSeutwm

bcsEUTWM =
up a
Wave of

1’s are on time payments
2’s are 30 days late

Hammering home 24 1’s is actually seemingly simple. But the execution is nearly impossible to get right (FML). Its tough for dumb people. It is tough for smart people that go to Top 200 colleges like Cal Berkeley.

Why my sour face?!

I don’t wanna talk about credit. I want you to read my FCRA based blog posts,

The one CREDIT truth is this: Annotating, assimilating and associating more 1’s directly to your social security number, h-e-l-p-s.

In short, very few people coming into and onto and on to the FICO credit grid focus on adding in positive credit data. Most MBAs wanna book a conference room and deliberate the merits of repealing the FCRA. We are not congressman. We don’t change laws. We abide by the letter of the fair credit reporting act.

Here are some steps before the direct correlation occurs. The positive credit data needs to correlate to your identity number. The positive credit, credit-code “1’s” need to connect to your social security number.

Ok, if you’re a college student, non American or have a sugar daddy…, you probably have a social security number void of positive information. A sugar parent figure is a person whose credit card and cash you mooch off of. Moochers who are added on as a “supplemental card member” doesn’t build credit. Obviously.

Obvious that mooched credit card may impress Aritzia sales associates, but according to #ExpTransFax, your credit reeks and stinks.

Step one in #BCSeutwm is to purchase 31 different USA postage stamps and place them in the upper right hand corner of a “number 10″ sized envelope. The stamp value to purchase are 49 cents. The USPS refers to these stamps as FOREVER stamps.

As CEO of Duck9, I’m also Stanford University’s Founding EIR (Entrepreneur in Residence). I am an engineer that is probably 0.600 to 10x technically more competent in electronic things like Internet, email, SEO, eBay arbitrage and wordpress. And texting and twitter. I, Larry Chiang advocate USA postage stamps because the American credit law that rules the 55 states (there are more states like Canada, Japan and New Mexico in the future). In short step one is to load up 31 stamped envelopes…

Stamp goes in the upper right hand corner. I can speak Asian and mentor you: “Na ga yo piao tsai ni da pee go song!”

…load up 31 stamped envelopes and then tag me LARRY CHIANG on Facebook.

Or. Or better yet. Do not do step one because in ten years I wanna compile a crap ton of loser case studies. I’ll pay you to star!

Note: This signature business subroutine is open source. Legally that means I don’t charge you even though I could attempt to patent the process. Yup, I’m a law expert and my testimony has been delivered and received by this entity called “House subcommittee on credit and insurance”

It’s the 102nd Congress

Congress is located in Washington DC where it possesses two sub-ranches of the legislative branch. Lower and upper “house”. Senate and congress. FCRA was passed in the 1970. The 1970’s were approximately a million years ago when The Email and The Al Gore Internet didn’t exist. Postage stamps did exist.

Fax and facsimile were grandfathered in. I’m so not joking. Stop reading and start executing. Was my tone belittle-ing?! I’m soooooo sorry my really large credit knowledge and library of brain subroutines intimidate. I kinda get burnt out justifying why I’m sooooooooooooo awesome

Duck9 = Deep Underground Credit Knowledge 9

(I won’t sell you the stamps but you can sell stamps peer to peer. Remember I said “open source”

Step two: Get a scrap book
You will need it to document your work

Step 2 of #BCSeutwm is get a scrapbook– it is used on Amazon for under $10

650-283-8008 (cell)

Founder of “What They Don’t Teach at Business School” for CNN iReport:

I am author of a NY Times Bestseller that is the sequel title to my mentors sequel triumverate
– What They Don’t Teach You at Harvard Business School
– What They Still Don’t Teach You at Harvard Business School and
– What They Will NEVER Teach You at Harvard Business School.

I wrote the scandalously awesome “What a Supermodel Can Teach a Stanford MBA”, “How a Stanford Engineer Works Hard and Smart at SXSW” and “How to Get Man-Charm

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