True weekly margin: $136.15
Audit
Net income of $5200 against $2870 fixed, $1100 discretionary, and $640 in debt minimums leaves $590.00 a month. Three debts total $15250; one negative item is user-flagged for dispute.
Strategy
Directing the $590.00 monthly surplus at debts clears them in 14 months; avalanche order costs $751.74 in interest versus $941.81 for snowball, so avalanche is recommended.
Disputes
One account (Old collection) is disputed with all three bureaus under FCRA section 611; the unflagged Visa item is left alone.
30-day action plan
- 1Week 1: confirm the $590 monthly surplus in your bank statements and set up the $590 extra payment toward Visa.
- 2Week 2: mail the three Old collection dispute letters by certified mail and calendar each bureau's 30-day deadline.
- 3Week 3: review discretionary spending for one leak to redirect into the payoff.
- 4Week 4: re-pull balances, confirm payments posted, and log bureau responses.
What-if scenario engine
Extra payment per month above minimums. Recomputed server-side — no estimates in your browser.
Educational illustration from your intake figures; not a promise of results. Hitting the higher number is what the strategy session is for.
Dispute letters
- Old collection (equifax, not_mine) — download .txt
- Old collection (experian, not_mine) — download .txt
- Old collection (transunion, not_mine) — download .txt
Book your 1-on-1 Strategy Session — $150
Your diagnostic reveals the gap; a 1-on-1 session builds the personalized plan.
Your 1-on-1 session agenda
- 1.Restructure Visa's 24.99% APR drag ($4800.00 balance) — method choice alone is worth $190.07 in interest (snowball $941.81 vs avalanche $751.74).
- 2.Direct the $590.00/month surplus ($136.15/week) — currently clearing debts in 14 months — into a written payoff order.
- 3.Work the 3 bureau filing(s) across 1 account(s) — if any come back verified, bring them to the $150 session.
Uncapped Referral Engine
Your link: https://prosperityplanningllc.net/r/DEMO0000
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