Late Payment Kit

They told you late payments had to stay.

They lied.

The Late Payment Kit gives you 5 done-for-you attack letters that hit the creditor with real consumer laws — not empty arguments. Whether it was reported wrong, caused by hardship, or simply needs to be challenged the right way, these letters got you.

Inside the kit:

✅ Billing Error Resolution Letter (12 CFR §1026.13)

✅ Inaccurate Reporting Letter (FCRA §623)

✅ Hardship-Based Deletion Request

✅ Creditor Verification Request (FCRA §611)

✅ First-Time Late Removal Letter

Perfect for DIYers or credit pros ready to stop playing defense.