Late Payment Delete Kit

BEST FOR:

If your score is being dragged down by one or two late payments — this is your fix-it-fast kit.

USE THIS KIT TO:

✔ Remove a legit late payment with a forgiveness letter

✔ Dispute inaccurate or misreported late payments

✔ Escalate to credit bureaus or the CFPB if ignored

✔ Boost your score by getting it corrected or DELETED

WHAT’S INSIDE:

• Goodwill Request Letter

• Inaccurate Late Payment Dispute Letter

• FCRA Escalation Letter

• CFPB/Attorney General Complaint Template

• Certified mailing instructions

• Rae’s step-by-step guide on what to send, when, and why