Credit Cleanup DIY — Letters, Budget & Debt Payoff

DIY credit repair: dispute & pay-for-delete letters, phone scripts, account tracker, budget builder & debt-payoff calculator.

Fix your own credit — and keep your money. Credit Cleanup DIY puts the same letters, scripts, and tools a paid "credit repair" company would use into one private browser extension. It walks you through exactly what to do, in order, and gives you the documents to do it — so you can clean up collections, charge-offs, and late payments yourself instead of paying someone hundreds of dollars a month to mail form letters on your behalf. WHY DO IT YOURSELF? Under the Credit Repair Organizations Act (CROA), credit-repair companies can't legally charge you upfront and can't remove accurate information — and most of them simply send the same letters you'll find right here. You can do every step yourself for free under the FCRA and FDCPA. This extension just makes it fast, organized, and easy to follow. ──────────────────────── FREE — FOREVER ──────────────────────── • Step-by-step strategy guide — a clear 9-step plan covering card utilization, pulling all three bureau reports, debt validation, pay-for-delete, goodwill requests, and spotting illegal re-aging. • Know Your Rights — a plain-English summary of the FCRA, FDCPA, and CROA, plus a myth-busting fact-check that debunks the viral "delete everything with these U.S. Codes" social-media posts (and explains what actually works). • Debt Validation letter — a fill-in-the-blanks template you can copy or download. • Budget builder — list your income and expenses and instantly see your monthly "cleanup fund": the surplus you can put toward settling debts. ──────────────────────── PRO — ONE-TIME $24.99 (NO SUBSCRIPTION) ──────────────────────── • All 5 letter templates — Debt Validation, Pay-for-Delete, Goodwill, Bureau Dispute / Re-aging, and a Mortgage Letter of Explanation. Enter your details once and they auto-fill across every letter; copy to clipboard or download as a text file. • Pay-for-delete phone scripts — a word-for-word negotiation flow, including what to say, what to offer, and how to lock in a deletion agreement in writing before you pay. • Account tracker — log every collection, charge-off, and late payment with the tactic you're using and where it stands; export to CSV anytime. • Debt payoff calculator — enter your debts and a monthly payment, choose Snowball (lowest balance first) or Avalanche (highest interest first), and see your debt-free date, total interest, the payoff order, and exactly how much you save versus paying only the minimums. Export the full plan to Excel. • Budget payoff planner + Excel export — turn your cleanup fund into a realistic timeline. • Bulk Letter Packet — generate every letter you need for all of your tracked accounts at once, then print or save them as a PDF that's ready for certified mail. ──────────────────────── PRIVATE BY DESIGN ──────────────────────── Your letters, budget, debts, and notes are stored only in your browser, on your own device. Nothing you enter is uploaded to us or anyone else. No analytics, no tracking, no ads. The only network request the extension makes is to verify your one-time Pro purchase. ──────────────────────── WHO IT'S FOR ──────────────────────── Anyone trying to clean up their credit themselves — whether you're recovering from a rough financial stretch, preparing to qualify for a mortgage or car loan, or just tired of collections dragging down your score and want a clear, organized plan to handle them. ──────────────────────── PLEASE NOTE ──────────────────────── Credit Cleanup DIY provides educational information and document templates only. It is not legal or financial advice, and we are not a law firm, financial advisor, or credit repair organization. Results vary by situation, furnishers can decline goodwill and dispute requests, and no specific outcome or score change is guaranteed. For free live help, a nonprofit credit counselor at nfcc.org is a legitimate option.