Credit · Education · Protection Kaironeekfinancial@gmail.com(857) 220-7818

Consumer Credit Protection Act: Congress passed these laws to protect you — the FCRA, FDCPA, CROA, ECOA and TILA are all part of it.
FCRA § 611: You have the right to dispute inaccurate or incomplete information, and the credit bureau generally must investigate within 30 days — free of charge.
FCRA § 605: Most negative information must come off your report after 7 years. Most bankruptcies: 10 years.
FCRA § 605B: Identity theft victims can have fraudulent accounts blocked from their credit reports.
FCRA § 612: You are entitled to free copies of your credit reports at AnnualCreditReport.com.
FCRA § 615: If you are denied credit because of your report, you must be told and told which bureau was used.
FDCPA § 809: Dispute a debt in writing within 30 days and the collector must stop collecting until it verifies the debt.
FDCPA § 805: You can tell a debt collector in writing to stop contacting you.
FDCPA § 806–807: Debt collectors may not harass you, threaten you or lie to you.
CROA § 404: No credit repair company may charge you before its services are fully performed.
CROA § 407: You have 3 business days to cancel a credit repair contract without penalty.
ECOA: Creditors may not discriminate against you for race, color, religion, national origin, sex, marital status, age, or receiving public assistance.
TILA: Lenders must clearly disclose the true cost of credit — including the APR — before you sign.
SCRA: Active-duty servicemembers can cap interest at 6% on many debts taken on before service.

Consumer Credit Protection Act: Congress passed these laws to protect you — the FCRA, FDCPA, CROA, ECOA and TILA are all part of it.
FCRA § 611: You have the right to dispute inaccurate or incomplete information, and the credit bureau generally must investigate within 30 days — free of charge.
FCRA § 605: Most negative information must come off your report after 7 years. Most bankruptcies: 10 years.
FCRA § 605B: Identity theft victims can have fraudulent accounts blocked from their credit reports.
FCRA § 612: You are entitled to free copies of your credit reports at AnnualCreditReport.com.
FCRA § 615: If you are denied credit because of your report, you must be told and told which bureau was used.
FDCPA § 809: Dispute a debt in writing within 30 days and the collector must stop collecting until it verifies the debt.
FDCPA § 805: You can tell a debt collector in writing to stop contacting you.
FDCPA § 806–807: Debt collectors may not harass you, threaten you or lie to you.
CROA § 404: No credit repair company may charge you before its services are fully performed.
CROA § 407: You have 3 business days to cancel a credit repair contract without penalty.
ECOA: Creditors may not discriminate against you for race, color, religion, national origin, sex, marital status, age, or receiving public assistance.
TILA: Lenders must clearly disclose the true cost of credit — including the APR — before you sign.
SCRA: Active-duty servicemembers can cap interest at 6% on many debts taken on before service.

Our story

About Kaironeek Financial

Kaironeek Financial helps people take control of their credit by using federal consumer protection laws — and by teaching them how to keep strong credit for life.

Faith Overcomes Fear

Behind every credit report is a person — a parent hoping to buy a first home, someone rebuilding after illness, divorce or identity theft. Too often, fear keeps them from acting. We believe knowledge replaces that fear with confidence.

Our mission is to empower clients through the lawful correction of credit reporting errors, and to educate them on maintaining strong credit health. We use the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Equal Credit Opportunity Act and the Truth in Lending Act — not generic templates or software-generated letters.

What we believe

Transparency. Clear terms, regular updates, no hidden fees.
Compliance. We follow the CROA, FCRA, FDCPA and TSR.
Care. Real, non-lawyer consumer credit professionals who know your file.
Education. You should leave understanding your credit better than when you arrived.
Integrity. We never sell tradelines or promote CPNs.

Kaironeek Financial, LLC is a subsidiary of Kaironeek LLC, a New York company. We are not a law firm and do not provide legal advice.

Our founder

Richie Barrett

Richie Barrett founded Kaironeek Financial to help everyday people use the consumer protection laws already written for them. Richie is the author of the Consumer Law Credit Repair Series, teaches consumer law to consumers and credit repair business owners, and serves as a pastor.

Visit or write to us

Brooklyn, New York
Kaironeekfinancial@gmail.com
Monday – Friday, 9:00 AM – 5:00 PM · Weekends closed

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Know where to go — the credit bureaus and the agencies that protect you

Links go to each organization’s official website. Kaironeek Financial is not affiliated with or endorsed by any of them.