Credit & Debt Tracker

Debt feels suffocating. You have multiple credit cards, student loans, maybe a car payment — and every month you wonder if you'll ever actually make progress. You make the minimum payments, but the balance barely moves. You check your credit score once a year and hope for the best. You have no idea what your interest rates actually are, and the thought of calling to negotiate feels overwhelming. This skill gives you a systematic framework to attack your debt without needing a finance degree. It includes a dual-method payoff calculator (avalanche for minimum interest, snowball for momentum), interest rate negotiation scripts proven in real calls, credit card payoff trackers with monthly milestones, and professionally drafted credit bureau dispute templates for when you find errors on your report. What you get: CREDIT_TRACKER_SKILL.md — full skill implementation guide. PAYOFF_CALCULATOR.md — avalanche and snowball calculators with output templates. NEGOTIATION_SCRIPTS.md — word-for-word scripts for calling creditors. CREDIT_DISPUTE_TEMPLATES.md — three dispute letter templates for Equifax, Experian, TransUnion. CREDIT_HEALTH_REVIEW.md — monthly checklist for reviewing your credit profile. No external subscriptions required. Works with any Claude-based agent.