What are the five FICO score factors?

The five FICO factors are: Payment history (35%), Credit utilization (30%), Length of credit history (15%), Credit mix (10%), and New inquiries (10%). Understanding how each is weighted — and the order in which to address them — is the foundation of engineering a higher score.

What is piggybacking credit?

Piggybacking means being added as an authorized user on another person's credit card account. Their account history — age, credit limit, and payment record — then appears on your credit report. This is one of the fastest legal ways to improve a thin or damaged credit profile.

What is a goodwill letter?

A goodwill letter is a written request to a creditor asking them to remove a late payment from your credit report as a goodwill gesture, typically after you have otherwise maintained a positive payment history. When effective, it can permanently remove a negative mark.

How much can a 750+ credit score save you?

On a 30-year mortgage of $300,000, the difference between a 620 and a 760+ credit score can exceed $100,000 in total interest over the life of the loan. On auto loans and credit cards, the savings compound further.

VOL. 4 Kevinomics Vol. 4

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KEVINOMICS · VOL. 4

Your Credit Score Is Either
Costing You Money
or Making You Money.

Every loan, every lease, every line of credit — the terms you get are determined by a number most people let drift. This volume shows you how to build it on purpose.

...even if you've had late payments, collections, or don't know the difference between FICO and VantageScore.

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KEVINOMICS — VOL. 4

Stack the Score

Score Stack Method · Plain English · Actionable Today

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The Exact System I Used to Engineer a 750+ Credit Score in 12 Months.

✗ No credit repair scams that promise overnight results and disappear with your money.

✗ No need to wait years for negative items to fall off on their own.

✓ Just a clear, sequenced system that shows you exactly which levers to pull — and in what order — to build your score on purpose.

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Because FICO scores are calculated using five specific factors — payment history, utilization, age of accounts, credit mix, and new inquiries — and each one can be improved with deliberate action. Most people treat their score as something that happens to them. This volume shows you how to engineer it.

This will work for anyone who wants a 750+ score — even if you have collections on your report, you're starting from a 580, or you've tried to improve your credit before and it didn't stick.

“Every strategy in this volume is documented and legal — but bring it to your CPA. That conversation alone is worth the price.”

— Kevin L. Walker, Kevinomics

WHAT PEOPLE ARE SAYING

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Volume 1 - Learn How to Actually Keep the Money You Make

Learn How to Actually Keep the Money You Make - Volume 1

WHAT'S INSIDE

Everything in Vol. 4

Plain English. No jargon. Actionable immediately.

The 5 FICO Factors Explained

Payment history, utilization, account age, credit mix, and new inquiries — exactly how each one is weighted and which ones move your score fastest.

Piggybacking Strategy

Being added as an authorized user on someone else's account immediately adds their history to your report. Here's how it works, who to ask, and what it's worth.

Credit Utilization Mastery

Keeping utilization under 10% across all cards is one of the fastest ways to improve your score. Here's how to time your payments to keep utilization low on the reporting date.

Dispute Tactics That Actually Work

How to dispute inaccurate or unverifiable items with all three bureaus — what to say, what to send, and what the bureaus are legally required to do.

Goodwill Letter Strategy

A one-page letter to a creditor can sometimes remove a late payment permanently. Here's the exact format that works and when to send it.

Pay-for-Delete Negotiation

Collectors will sometimes agree to remove a collection from your report in exchange for payment. Here's how to negotiate it, what to get in writing, and what to do if they don't follow through.

Credit Limit Increase Method

Increasing your limits reduces your utilization ratio without paying down debt. Here's when and how to request increases — and which cards are most likely to approve.

The 12-Month Plan to 750+

A month-by-month action plan. What to do in month 1, month 3, month 6, month 12. Sequenced correctly so each action builds on the last.

“But Wait...”

“I have a collection on my report. Can this still work?”

Yes. Collections are not permanent. Dispute tactics, pay-for-delete negotiations, and goodwill letters are all covered in this volume — specifically because most people have at least one negative item they think they're stuck with.

“I've tried to fix my credit before and nothing changed.”

The reason most credit improvement attempts fail is sequence. People pay down debt but don't manage utilization timing. They dispute but don't follow up correctly. They add accounts but hurt their age mix. This volume gives you the right order.

“My score is already decent. Is this still worth it?”

The difference between a 700 and a 750 on a 30-year mortgage can be $40,000+ in total interest. A 750 to 800 unlocks the best credit card offers, lowest car loan rates, and business credit approval without documentation. The ceiling matters.

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