Larry Chiang
I work on credit scoring and publicizing credit tips so that college students can steer clear debt's vicious cycle
or Search "thin file analysis", "china Credit Bureau", or "China Debit Reporting Analysis"
** Engineering into Sales and back to Engineering **
Thin file analysis of college students is similar to "Debit Reporting Analysis" and is the foundation of China Credit Bureaus Search "debit reporting analysis" or "China debit"
Presented at World Bank conference my thesis "Third party data verification". I peel away at the the chicken-egg issue of what comes first; raw bureau data or legitamte credit bureaus. Third party verification goes toward a credit infrastructure that is slightly open source.
My short term career goals to execute
(1) Graduate 9,900,000 college students with a FICO score over 750 by Q4, 2007
(2) Register 25,000,000 students for Duck9 by 2009 that all get Duck9 sms reminder messages to get to 750 FICO
My long term career goals
(1) Develop Duck9 into a merchant network where 0% is the new interchange rate
(2) Collect college students into a Visa/ MC credit card "co-op" where college students are pay into and pay other college students interest
