DFY BNPL Cleanup Plan

Klarna, Affirm, Afterpay, Sezzle… Buy Now, Pay Later accounts can look harmless, but one late payment or collection can drag your score down. This plan is designed ONLY for BNPL accounts — no credit cards, no medical bills, no repos. Just BNPL.

What We Do:

We challenge inaccuracies, late payments, and BNPL collections under the Fair Credit Reporting Act. If the account can’t be fully verified, it must be corrected or removed.

Choose Your Plan:

• 3 Months → Up to 2 BNPL accounts (perfect for a light clean-up)
• 6 Months → Up to 4 BNPL accounts (multiple accounts or repeat lates)
• 9 Months → Up to 6 BNPL accounts (heavier BNPL damage with lates + collections)
• 12 Months → Up to 8 BNPL accounts (long-term BNPL history with ongoing issues)

What You Get:

✅ Customized disputes for BNPL inaccuracies, lates & collections

✅ Monthly updates on dispute progress

✅ Real-time tracking with required credit monitoring

⚡ Focused. Simple. Effective. Clean up BNPL reporting errors and take back control of your credit.

What We Need From You

• Credit Monitoring (required):You’ll share read-only login so we can track progress.
• Government ID, Social Security Card & Utility Bill (for compliance).
• Timely responses to any bureau/collector mail.

Important Notes & Disclaimer

• Accounts may be updated, modified, or removed under FCRA standards. Results vary and are not guaranteed.
• We do not control bureau/creditor responses or timelines.
• This service is educational and advocacy-based; we operate within all applicable consumer laws.