ABOUT THE AUTHOR
Richard A. Barrett
Richard A. Barrett is an author, educator, and consumer-law researcher specializing in the legal and regulatory framework of credit reporting and consumer financial protection.
Founder of Kaironeek Financial, Kaironeek University, and the Kaironeek Study Circle, Barrett is not an attorney and his work is based on research and years of experience in credit repair.
A Research-Driven Approach
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Fair Credit Reporting Act (FCRA)
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Fair Credit Reporting Practices Act (FCRPA)
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Fair Debt Collection Practices Act (FCDPA)
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CFPB & FTC Guidance
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Court Decisions & Credit Bureau Operations
Purpose of the Work
- Investigating the practices of debt collectors, creditors, and consumer reporting agencies.
- Highlighting gaps in enforcement by consumer protection agencies.
- Empowering consumers and credit repair professionals to understand their rights.
Education and Teaching
- Teaching through Kaironeek University & Kaironeek Study Circle.
- Courses on credit reporting law, dispute analysis, and consumer credit rights.
Mission
Expanding public understanding of the legal framework governing the credit reporting system.
Why I Write These Books
- Writing to uncover how the credit system affects consumers.
- Helping readers understand their rights & the protections under consumer credit laws.