San Francisco magazine helped me do this PR. So thx!

Buy 101 Secrets eBook NOW for $74.95. Get an uplink to my credit expertise in under 90 seconds

Get unlimited support via texts, emails and fB messages. We will break up when you disagree. You will never transfer any personal info to me. I am a credit expert because I read Gerri Detweiler's book 18 years ago

Read my review of my credit mentor's book here on Amazon

This is me at Mercedes Benz Fashion Week. "Truth is stranger than fiction" = I am a SuperModel and author of this eBook, 101 Secrets to Boost FICO Credit Scores

Engineers w a bachelors degree in engineering ONLY. I am so so sorry that if you did not study ENGR w CS 200 level knowledge, I can't help. So if you purchase this, it'll be cancelled inside of 24 hrs if u can't prove your degree from a college (USA only)


Premal Shah, founder of Kiva, said at San Francisco's 'Guardsmen Bachelor Auction':

"Larry Chiang, you're a credit industry genius"

A woman at the Ruby Skye event purchased me for $17,700. 100% went to charity


























04-31-14: I actually hate my credit knowledge and fame.

As an exit from all this money making... I am roundtripping all the money back to u and offering a full 100% rebate







Buy eBook NOW for $74.95. Get a 100% rebate after you email me once or twice. I have had zero complaints and maintain a 100% perfect rating on eBay's PayPal (they are the same company)





You see if I told you credit secrets in conversation, would you believe your ears? I simply regurgitate FCRA and FCBA





Text message me, the author (Larry Chiang) at 650-283-8008 - I luv after parties

This is a sequel to Web 2.0 Expo after party here










Buy eBook NOW for $74.95. There is nothing else that compares to me or this offer.

After you buy it, I will confirm that you're an engineer or you will get a cancelled order.































A rebate for $74.95

is two transactions. One is where u pay me, get my cell, and feel like you're in danger.

Then, then I rebate u back the money after you do one small thing

** Larry Chiang's 101 Credit Score Secrets are for engineering graduates ONLY**

General population without a degree in ENGINEERING, please leave and go back to Google's search engine and or change your credit score search parameters


In short, this will be StackoverFlow-GitHub using subroutines that literally 'stack overflow


Credit score repair is simple, simple compared to hosting a $200,000.00 "Web 2.0 Summit Party" for zero money. Yup, its not urban legend...I merged and acquired a VC party with my party. I am the same "larry chiang" as the legendary one in the bay area startup community. Yes, I got VCs to pay me to pitch us. It is called "Reverse VC pitch".

I executed 650 steps. Nope, there is no ebook on that! #ENGR145

What I do for parties, I do for credit. Adding a lot of steps is what I do for credit reports. Buy my eBook on credit repair (credit engineering that generates positive momentum) because I wrote it.

After you own the ebook, text me or email me and I will give you a full rebate. But first you will take basic simple action.

The only way to "buy" my book is to email me, with your first home phone number in the subject line (this isn't technically personal info. Its old personal info :-). Its $74.95 (seventy four us dollars and 94 cents + 1 cent). You will get a paypal invoice. This makes rebating you your money back easier. Or gawd, dont buy the book and just use three fB photo albums I tagged #duck9. Heck, I will even text you the fB address of the albums. Hint: google "Larry Chiang's 31 envelope system".

Don't click buy because you can just forward engineer it if you read my 300+ blog posts on how I reverse engineered FICO scores. If you're not an engineer, asking how I reverse engineered something is so silly.

Do not buy from me and let me know in 24 months where your FICO is.

"this seems like a joke, but it is not."

My nerf gun shoots down credit myths at SXSW and helps pro NFL athletes.

I helped my friend with a law degree from Stanford University get an Amex credit card by first repairing his FICO (I marked him as an employee versus "founder"). It is on the Internet at Quora where allegedly, I am Paris Hilton reincarnated in a 6'5", 222 lb Chinese man, body. And hotter.

The Stanford Law School alum's name is Mike Arrington.

I've about 20,000 hours of credit industry expertise. I am pretty sure that paying me 24.94 is a great idea. Because if you actually do and read my effen book and follow up emails... I WILL EFFEN REFUND YOU YOUR PIDLY $25 bucks back.

Hundreds of sales per day. Only appx 55% actually follow up. Barely of half is unacceptable people. Oh. Ohh, there are zero complaints of people not getting their REBATE BACK cuz there are no people that didn't get their rebate back.

Why 74.95? Because if you wait 90 days to get a rebate, I gotta pay an effen paypal fee. So I pay you 25.01 after 90 days. It takes me 2-3 hours per day on PayPal. If you don't understand what I am saying. Just leave. Seriously, just leave.

Credit is simple. If you want an alternative to paying me, Larry Chiang... Do what I did at first in 1993 and buy "Ultimate Credit Handbook". I would link to it but am too lazy. Its a 1c book on Amazon. I wrote a review of Gerri Detweiler's book. Later we became business partners, but that's a different eBook (jk, I hate eBooks)

I hate you for reading all of this cuz you prolly hate me. But we are barely even doing business bc all I do is hold on to 75 bucks. You do the barest, minimalist, smallest of things. You get your 74 point 95 US dollars back.

** Special OFFER**
Do just ONE of the 101 secrets, email me, the author,
larry @larryChiang .com
two sentences what you did with the knowledge and you'll get a full refund.

In the same way we as engineers #EUTWMPPM (engineer up tidal wave of momentum), we as engineers will generate a tidal wave of positive credit data in our favour


Here's an Incredible Story that is complete crap. We as engineers do not need stories. We need code;
I developed this site while I was in the course of a home purchase. I have been able to raise my Credit Score 44 points already and in 3 more days will probably go up another 50 points. My loan officer was really ecstatic he can hardly believe it. I call him every time I see a change in my score. He told me that he has never seen anybody raise their credit scores like that and is asking how I'm doing it so fast. He says he has never dealt with a client that became so knowledgeable about Credit Scores and that he usually just refers his clients to a Credit Repair Agency that charges $400-$500! Alternatively, law firms charge a "teaser" low monthly fee but ratchet up to $200+/hour.

I told him we are going to have to work something out because his clients are getting "Ripped Off". I told him that I could definitely educate his clients on how they can raise their Credit Scores themselves for a fraction of the cost and do it much quicker. In return he would get more clients and get them approved for loans much faster.

Inspired to develop this web site after my Yahoo News interview! Closing for my new house is in 2 weeks and I saved thousands of dollars in interest already. I moved out of "Sub Prime" loan category and I'm actually going to GET 7K back, no money out of my pocket for new purchase! I now write at Yahoo!!!

So cool!

All because I discovered how to quickly raise my Credit Score! Not even my Loan Officer or Real Estate agent knew how to do this. I was desperate because my Credit Scores were on the edge of acceptance. But I did it! Now, I'm willing to share with you my secrets so you won't let a low Credit Score ruin your life and dreams of a low payment on a dream home. Some examples of how VAST the difference is...

FICO Score
Interest Rate
780-850 5.25% $ 816
720-779 5.60% $ 840
665-719 6.85% $ 975
610-664 7.77% $ 1,190
540-613 8.70% $ 1,270
480-539 9.65% $ 1,424
Actual Rates (Source "Digital Underground Credit Knowledge 9",
Look at the difference by raising your score 100 points!

Buy NOW for $74.95 along with the IRON CLAD guarantee of all your money back
** Special REBATE OFFER**
Do just ONE of the 101 secrets, email me, the
author, larry @larryChiang .com two sentences what you did with the knowledge and you'll get a full refund.

That was my story over 1.5 years

Question: there are grammatical and spelling errors all over. Are you legit?
LARRY Chiang answer: like I seriously care what u think.

Question: Your UI is abysmal. Do you want me to redesign it
LARRY Chiang answer: This page took me an hour to slap up.

Question: How do you benefit?! You're basically charging zero.
LARRY Chiang answer: Look, me and my co-founder self funded our business on personal credit lines. Look at how many VCs I know. I self-funded and kept the the equity. If you wanna take me to vegas after you sell your self funded company for $3.5B, fly me out.

I am a little man, so just buy a coach class tix and tell me which weekend we are celebrating the sale of your #ENGR145 startup

Question: You seem weird. What is your deal?
LARRY Chiang answer: Are you foreign. Dudes from the midwest love me. All women from all over love me. White people think I am hilarious. Black people invited me to address the Black Caucus. The NFL invited to speak at Rookie Camp. What you deem "weird" is my coping mechanism for boiling down FCBA and FCRA in to actionable items that cut at the fiber of all common sense.

It was nice to meet you via this page. I was JK about being little and small. I am 6'5" and obvi hot

Q: Can we go out on a date? I am a very very attractive woman that is done with college and have an engineering degreet BUT NOT AN UNDERGRAD.
LARRY Chiang answer: Goodness, my puddy pattern is totally totally full right now. Are you 22.8 yo to 24.5? If you're 28 you're way way too old. I need to meet you now. Be friends for like 3 years.

I go slow because I build up a crap-ton of data points before little Larry can come out and play. Yes, I just referred to my Mercedes Benz Fashion Week trouser's, snake.