Kevinomics  /  Credit Consulting
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Service • Credit Consulting

Personal credit education and dispute guidance — across all seven bureaus.

We walk you through what's on your file, what's challengeable, and what the strongest next move is. The dispute language gets drafted — you send the letters, you keep the receipts, you execute.
What's Included

What this engagement covers.

Credit Consulting is a structured, multi-week education engagement focused on your personal credit file. Here's what we cover together.

Full 7-Bureau File Walkthrough
Equifax, Experian, TransUnion, Innovis, LexisNexis Risk Solutions, Clarity Services, and ChexSystems. Most clients have never seen four of these. We walk you through each one.
Dispute-Letter Template Education
We walk you through the framework FCRA Section 611 provides for disputes and use the AI Dispute Tool to generate template letters you personalize. You review, customize, print, and mail them — we don't submit on your behalf.
Utilization & Mix Education
We walk you through how revolving utilization, age, mix, and inquiry timing affect your score — and which moves give the biggest lift for your specific file.
Approval Positioning Walkthrough
We educate you on what underwriters look for when reviewing credit applications. The timing of when you apply matters as much as your score does. Specific mortgage decisions remain with licensed mortgage professionals.
Authorized-User & Primary Strategy
Education on when an authorized-user tradeline makes sense, how aged primaries differ, and how to think about positive-side tradeline support over time.
Lifetime AI Dispute Tool Access
Every Credit Consulting engagement includes lifetime access to the Kevinomics AI Dispute Tool — FCRA-informed letter templates at your fingertips for as long as you need it.
Who This Is For

Who this engagement fits best.

Credit Consulting is for individuals who want to fix and build their personal credit file with a real framework — not a subscription that mails generic letters until the contract runs out.

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W-2 earners
You have a job, your score is holding you back from financing goals like an auto loan or rental approval, and you want a clear plan to get to where lenders say yes.
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1099 contractors
You file Schedule C, your income is real but your credit file doesn't show it cleanly, and you need positioning for upcoming applications.
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Entrepreneurs
You're starting or running a business, and you need your personal credit cleaned up before you start applying for business capital.
The Engagement

How the engagement actually runs.

Every Credit Consulting engagement follows the same four phases. You'll know exactly what's happening at each step and what you're responsible for between calls.

Phase 01
Discovery & Audit
You pull your 7-bureau file. We walk through every line together. Everything inaccurate, unverifiable, or outdated gets flagged for challenge.
Phase 02
Strategy Build
We educate you on the strategy: which items to challenge first, what dispute language fits, what additional moves (utilization, mix, age) to layer in.
Phase 03
Execution Guidance
You send the letters and take the actions. We're available for guidance between calls — you execute, we coach.
Phase 04
Position & Apply
Once your file is in shape, we walk you through approval-positioning timing for the credit card or auto application you've been waiting on.
Deliverables

What you walk away with at the end.

Every Credit Consulting client finishes the engagement with the same set of documented, transferable deliverables — not just a cleaned-up file, but the framework that produced it.

A documented 90-day file-improvement plan tailored to your specific situation
Dispute-letter templates and language you can keep using forever via the AI Dispute Tool
A clear utilization, age, and mix optimization roadmap
A documented approval-positioning timeline for your next major application
Lifetime access to the Kevinomics AI Dispute Tool
The framework itself — you can run this same playbook on a family member's file later
Scope & Boundaries

What this engagement is — and what it is not.

Kevinomics Consulting provides education, consulting, and guidance only. We are not a lender, broker, attorney, CPA, or licensed financial advisor. Here's the clear line.

What we do in this engagement

Educate you on what's reporting and what's challengeable
Walk you through the framework FCRA Section 611 provides for disputes
Provide template dispute language you personalize and send via the AI tool
Coach you on utilization, age, mix, and timing decisions
Educate you on approval positioning for cards and auto financing. Mortgage decisions remain with licensed mortgage professionals.

What we don't do

Submit dispute letters on your behalf or sign anything for you
Provide legal advice or represent you in disputes
Pull your credit report or access bureau systems for you
Negotiate settlements or pay-for-delete arrangements on your behalf
Guarantee any specific score outcome or removal of any item

Ready to walk through your file with us?

Book your free consultation. We'll review where you are, where you want to be, and whether a Credit Consulting engagement is the right starting point for your situation.

Kevinomics Consulting LLC. Provides credit consulting, business funding advisory, and financial education only. We are not a lender, mortgage broker, attorney, CPA, or licensed investment advisor. Nothing on this page constitutes legal, tax, or investment advice. No fiduciary or attorney-client relationship is created by accessing this content or engaging our consulting services. Individual results vary based on file complexity, lender requirements, market conditions, and client execution. For legal filings, tax preparation, or investment decisions, consult a properly licensed professional.  •  kevinomics.com  •  authorizedtrades.com

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