Kevinomics • Credit • Business Credit • Financial Education
Your Credit Is Either
Opening Doors
Or Closing Them.
Fix it. Build it. Use it to access real money. Every guide is free. An AI dispute tool that writes your letters automatically. And a community of people doing the same work.
673K+
organic followers
$4M+
verified career revenue
8x
proven early mover
3
ways to start
Credit Repair• Credit Building• Business Credit• 750+ Score System• AI Dispute Tool — $47•All Guides Free•Credit Alchemists — $99/mo• Tax Strategy• Business Funding• S-Corp Election• Credit Alchemists Community• Credit Repair• Credit Building• Business Credit• 750+ Score System• AI Dispute Tool — $47•All Guides Free•Credit Alchemists — $99/mo• Tax Strategy• Business Funding• S-Corp Election• Credit Alchemists Community•
$147,000
extra lifetime interest
with a score below 580
68%
of Americans don't know
their credit score today
$9,180
lost in SE tax annually
with no S-Corp election
$0
business credit profile
for most small biz owners
Real people. Real results.
The system works.
Here's the proof.
+120 pts
Score moved 594 → 714 in 12 months
“Eleven years I ran this business with bad credit hanging over me. One book changed the trajectory. I got approved for an SBA loan at 6.5% — what I used to pay in interest alone would have covered this guide 400 times.”
David K.
Small business owner — Chicago, IL
Vol. 4 — Score Stack Method
$15,000
Business credit line — no personal guarantee
“I didn't know my business was invisible. I thought my personal score was my business score. They're completely different games. 90 days after reading Vol. 2 I had a PAYDEX score and my first business approval.”
Jerome W.
1099 Contractor — Houston, TX
Vol. 2 — Credit Identity Blueprint
$16,600
Total first-year financial shift
“We thought we were doing everything right. Turns out we were just doing everything normal. Normal isn't the same as right. S-Corp election, W-4 adjustment, deductions we never claimed — all of it added up in year one.”
Trina & Marcus B.
Dual W-2 + LLC — Leander, TX
Complete Bundle — All 4 Volumes
Three ways to work with us
Pick your entry point.
📚
The Free Guides
Four plain-English playbooks covering credit score, business credit, tax deductions, and business structure. Every guide is free. Download as many as you want.
Instant digital download
Plain English — no CPA required
Yours forever
FREE all guides
Download Free ↓
Instant Results
⚡
AI Dispute Tool
Have a collection, late payment, or error on your report? Enter your situation. Get a professional, FCRA-compliant dispute letter in seconds — ready to send to all three bureaus.
Generates letters in seconds
FCRA-based — all three bureaus
Unlimited use — lifetime access
Included free with Credit Alchemists
$47 one-time — lifetime access
Get the Dispute Tool →
🏆
Credit Alchemists Community
Monthly membership. DIY curriculum, live accountability, community support, Kevin’s full playbook — and the AI Dispute Tool included at no extra cost.
Full DIY credit repair curriculum
AI Dispute Tool included free
Live sessions + community
Cancel anytime
$99 /month
Join Credit Alchemists →
What your score is costing you
Every point costs or saves you real money.
Your credit score is a price tag. Every loan, lease, and business credit line is priced against it. The gap between a 580 and a 760 is measured in tens of thousands of dollars over your lifetime.
A 12-month sequence to engineer a 750+ score — the same way lenders model it
Disputes, goodwill letters, utilization strategy, piggybacking — step by step
Vol. 4 includes every tactic in plain English — starting at $27
Get the Score Stack System →
Estimated excess interest vs. 760+ score
on a $300,000 mortgage
Below 580
+$147,000
580 – 669
+$89,000
670 – 739
+$42,000
740+ — Excellent
Best rates
Educational estimate only. Actual savings vary by lender, loan type, and market conditions.
AI Dispute Tool — $47 One-Time
Your dispute letter.
In seconds.
Have a collection, a late payment, or an error dragging your score down? Stop waiting. Enter your situation and get a professional, FCRA-compliant dispute letter ready to send to Equifax, Experian, and TransUnion in seconds.
Built on FCRA Section 611 — the same law credit attorneys use
Generates letters for all three bureaus simultaneously
Unlimited disputes — lifetime access for one flat fee
Already included free with every Credit Alchemists membership
AI Dispute Tool — Live
I have a Capital One collection from 2021 showing $847 that isn’t mine. What do I do?
Generating your Section 611 dispute. This will challenge accuracy and verifiability across all three bureaus. Preparing your letters now...
✓ 3 Dispute Letters Ready — Send Today
One-time purchase. Lifetime access. Use it as many times as you need.
Credit Alchemists — $99/month
The community doing the work.
Includes the $47 AI Dispute Tool free.
Most people who want to fix their credit start and stop because nobody around them is doing the same thing. Credit Alchemists is the room where that changes — with a tool that does the hardest part automatically.
📖
Full DIY CurriculumStep-by-step credit repair and building — updated monthly as laws and strategies change
⚡
AI Dispute Tool — Included FreeThe same tool sold standalone for $47 is included with every membership. Unlimited disputes, all three bureaus, zero extra cost.
👥
Community + AccountabilityLive sessions, peer support, and people in the same process holding each other accountable
💡
Kevin's PlaybookDirect access to frameworks, early mover insights, and the strategies behind the system
$99/month — cancel anytime
Join Credit Alchemists →
CREDIT ALCHEMISTS AI
Credit Alchemists AI Dispute Tool
Live
I have a collection from Capital One from 2021 showing $847. It's not mine. What do I do?
Generating your dispute under FCRA Section 611. This will challenge the accuracy and verifiability of the account. Preparing letters for all three bureaus now...
✓ Dispute Letter Ready — Equifax • Experian • TransUnion
One tool. Unlimited disputes. Your letters are generated in seconds — personalized, professional, and ready to mail. Included with every Credit Alchemists membership at no extra cost.
For educational purposes only. Not legal, tax, or financial advice. No professional relationship created. Individual results vary. Consult a qualified CPA or attorney for advice specific to your situation.  •  kevinomics.com
The Credit Alchemists AI Dispute Tool (Lifetime Access)
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From the Blog

The money education nobody taught you.

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Authorized Users & Credit Profiles Legitimacy, Impact, and Limitations — What they actually do, what they don't, and how to use them correctly.

Authorized Users & Credit Profiles Legitimacy, Impact, and Limitations — What they actually do, what they don’t, and how to use them correctly.

April 14, 2026

Adding authorized user tradelines is one of the most widely used strategies in credit building. It is legal, recognized, and utilized by lenders and scoring models. However, while it can be effective in certain situations, it is often misunderstood — especially when applied to credit profiles with significant negative history.

Read More »
Your Business Credit Report Is Public. Anyone Can Pull It Right Now

Your Business Credit Report Is Public. Anyone Can Pull It Right Now.

April 10, 2026

Your personal credit report is protected. A lender needs your written permission to pull it. Your business credit report is not. Any lender, vendor, supplier, potential partner, or competitor can access your business credit profile right now without your knowledge and without your consent. It is public information by design.
Most small business owners have never thought about what is on that report. They have never looked at it, never verified it, and have no idea what a bank or vendor sees when they look up their company before a deal.

Read More »
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