Kaironeek University
"Mentorship that makes a difference"
Tired of Being Stuck, Confused, and Afraid in the Credit Game?
Are you tired of watching countless hours of gurus repeating the same surface-level information?
Tired of being in groups where no one really helps, and you feel helpless?
Tired of asking for support and only getting generic answers that don’t go deep?
Have you ever felt disappointed, confused, or stuck after joining a challenge or course that promised you'd be able to fix credit or run your own business but now you're more lost than ever?
Do you want to move forward, but you're scared scared because you don’t understand enough to act confidently and no one is giving you the deep knowledge to remove that fear?
Look no further. I was just like you. Stuck. Fearful. Confused. Watching my dreams slip away because I didn’t have the knowledge I needed to help others or myself.
That’s why Kaironeek University exists. To solve that exact problem.
The Real Problem
Credit repair feels overwhelming when you don’t understand the law.
You’re relying on templates. Watching surface-level YouTube videos. Copying advice from online groups. And hoping it works.
But when you hit resistance like a stall letter, a reinserted account, or a denied dispute you don’t know what to do next.
That’s not your fault. The truth is, most programs only teach tactics not *understanding.*
At Kaironeek University, we teach you how to think. We teach you the system. We show you what the law really says, why it matters, and how to use it with power.
We Don’t Just Teach — We Train You in Credit Law Mastery
Our program is built around deep study and transformative understanding.
You will:
- Study the actual laws: FCRA, FDCPA, and more
- Learn the regulations that bring those laws to life — like Regulation F, B,V,M,P,Z,etc
- Read court opinions and real case law that enforce and interpret those laws
- Understand the history behind the laws — what problems they were created to fix
- Explore the legal theories that drive consumer protections
- Learn how to get real remedies when rights are violated
- Know how to defend yourself and your clients with confidence
You’ll read documents, analyze legal reasoning, and learn to apply it all step-by-step. And don’t worry we guide you the entire way. We make it clear, simple, and empowering.
When You Study With Kaironeek University, You Will Be Able To:
- Read and interpret credit laws and know how they protect you
- Write powerful, custom dispute letters that bypass templates
- Respond to bureaus, creditors, and collectors with strength and clarity
- Strategically dispute in sequence to trigger liability and action
- Identify violations others miss and act on them
- Build or grow a legal-compliant, results-driven credit business
- Fix your own credit with confidence and teach others
This Program Is for You If:
- You feel lost or uncertain trying to repair your own credit
- You started a credit repair business but hit a wall
- You’re tired of surface-level teachings and want true understanding
- You want to dispute with legal knowledge, not just hope
- You’re ready to stop following and start leading
This Is Consumer Law Training for Real People Not Just Lawyers
We built Kaironeek University so people like you — motivated, hungry, and stuck — could finally get the deep training they need to move with power.
You don’t need another template.
You need truth. You need guidance. You need understanding.
This is where confidence begins.
Join Kaironeek University — and never be afraid of the system again.
A New Standard in Consumer Law and Credit Literacy
Welcome to Kaironeek University, where we take consumer law and credit literacy to the next level. Founded by Richard Barrett, our institution is built on a firm belief: real knowledge is power, and true empowerment comes from understanding not just what the law says, but why it exists in the first place.
At Kaironeek University, we are not lawyers. We don’t teach from a legal ivory tower. Instead, we take a practical, historically grounded approach to consumer law—one designed for real-world application. We specialize in credit-related consumer law, equipping our students with the knowledge to stand up against the abuses of creditors, attorneys, debt collectors, and credit bureaus.
Who We Serve
1.
Credit repair business owners who want to master consumer law to better serve their clients.
2.
Consumers who want to take control of their financial future by learning their rights under the law.
The Results you can have from the power of the knowledge and coaching you will learn
Student's pro se victory against billion dollar companies and their high powered lawyers
Student's pro se victory against billion dollar companies and their high powered lawyers
Taking Creditors to Arbitration when necessary to get remedy
The knowledge to negotiate pro se with attorneys to get advantageous settlements with the biggest banks in the world
We believe in Layman’s Scholarship, but not in the way most people do. While others in the non-lawyer consumer law space focus on what the law says today, we go deeper—examining the historical circumstances that led to its creation, the abuses it was meant to correct, and how the law has evolved over time.
You cannot truly understand or appreciate your rights unless you understand:
You cannot truly understand or appreciate your rights unless you understand:
The history that gave rise to consumer laws.
The legal traditions that shape how these laws function today.
The implementing regulations that guide their interpretation.
The binding precedents set by case law.
At Kaironeek University, we provide top-tier certification programs in the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Our courses are designed to give you the in-depth knowledge and practical skills needed to navigate these crucial areas of consumer law confidently.
What You'll Gain:
✔ FCRA Certification – Master the laws governing credit reporting and consumer rights.
What You'll Gain:
✔ FDCPA Certification – Learn how to identify and challenge unfair debt collection practices.
Our Approach
We employ a multifaceted, research-driven approach to learning, combining:
Historical Analysis
Understanding the abuses that led to consumer protection laws.
Legal Interpretation
Examining case law and regulatory guidance.
Practical Application
Teaching students how to use consumer laws in real-world scenarios.
What our student have to say
Studying with Richard Barrett so it reflects the truthfulness.
It is a pleasure being a student in Richard Barrett’s classroom. I can confidently say that he is a teacher of extraordinary talent and dedication. I have experienced firsthand how he sets high, yet achievable, standards for his students. He is a gifted motivator who fosters growth and development in those he teaches. I am truly blessed to be his student, and without a doubt, I would recommend him to the world.
Patrick Johnson
Before I worked with Richard Barrett, I had no idea how to defend myself or what my
rights even were. But the way he broke everything down one-on-one made it all make
sense. He didn’t just teach me laws he showed me how to use them. I had zero
xperience, but I was able to take real action and protect myself just from what he
taught me. It wasn’t some overwhelming legal class it was real, practical, and honestly
life-changing. If you want to understand consumer law and take control of your financial
freedom, Richard is the real deal.
J. Solomon
Bro, I just gotta say this…
You’re honestly one of the most passionate people I’ve ever met when it comes to making a real
impact in people’s lives. You’re straightforward, patient, understanding, and you don’t sugarcoat
anything but that’s exactly why you’re such a powerful teacher.
you remind me of Mr. Escalante you don’t lower the standards, you just believe in your students.
You push us to rise, even when we doubt ourselves. That’s rare.
Now that you’ve combined that same energy with your passion for credit and consumer law, it’s
like every convo we have turns into a lesson. You always manage to drop some wisdom
whether it’s breaking down FCRA rights, how to beat a debt collector legally, or how to leverage
credit to actually build a future. You’re not just teaching the system you’re teaching how to
master it.
You want us to thrive, not just survive and to know our rights so these billion-dollar companies
can't run over us. You don’t just talk credit you’re building soldiers. And I respect that on every
level.
Mentee, Roobens
Are You Ready?
Kaironeek University is not for passive learners. It is for those who are dedicated, serious, and willing to put in the work to understand consumer law at a level that few ever do.
If you are ready to think, study, and challenge the system with knowledge, then welcome to Kaironeek University—where history meets law, and knowledge becomes power.
Real Knowledge Takes Time
At Kaironeek University, we emphasize that real knowledge—especially real legal knowledge—takes time. Understanding consumer law at a deep level is not something that happens overnight. However, once you commit yourself to learning, you will learn. Be patient, stay engaged, and trust the process. Knowledge builds over time, and the more you study, the more everything will start to connect.
What You Can Expect to Learn
At Kaironeek University, we cover a comprehensive range of topics, including:
1.
Your Right to Privacy – Its History and Application in Consumer Law
2.
The History of Credit Reporting and Contemporary Consumer Reporting Agencies
3.
Fair Credit Reporting Act Certification(FCRA)
4.
Fair Debt Collection Practices Act Certification (FDCPA)
5.
Truth in Lending Act (TILA)
6.
Equal Credit Opportunity Act (ECOA)
7.
Fair Credit Billing Act (FCBA)
8.
E-Sign Act
9.
Foundations of Contract Law
10.
Tort Laws Relevant to Credit
11.
Credit Score Fundamentals
12.
Credit Repair Organizations Act (CROA)
13.
Credit Repair Disputing
14.
Debt Collection Defense
15.
Debt Collection Litigation
16.
Arbitration – How It Works and Its Role in Consumer Law
Kaironeek University — Frequently Asked Questions
1. Is Kaironeek University a subscription-based program?
2. What is the total cost of enrollment?
3. What payment plans are available? Kaironeek University offers five flexible options:
4. Who is this program designed for?
5. Do I need legal or credit experience to join?5. Do I need legal or credit experience to join
6. Will we only study consumer law?
7. What is meant by “text-based” learning?
8. Are live sessions considered legal instruction?
9. When are the study sessions held?
10. What subjects are included in the curriculum?
What is the best place in the world?
12. Can I use this program to start my own credit repair business?
13. What happens if I cancel my subscription?
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