Goodwill adjustment
Approach the creditor with a documented reason and a clean payment history. AI drafts the request with your account tenure and payment ratio.
Credit
Late Payments
One late payment shouldn't cost 100 points.
Payment history is 35% of your score. A single 30-day late on an otherwise clean account can drop you 60–110 points overnight. AI selects the right approach — goodwill, dispute, or furnisher direct — based on the account, the age, and your history.
What you get
Every workflow, out of the box.
- Goodwill letter generator with credential-appropriate tone
- Payment-history dispute when the late is inaccurate
- Cross-reference against your bank statements automatically
- Round-based escalation when a first attempt is denied
Strategies in play
The specific moves the AI runs on your behalf.
Payment posting error
If the payment cleared before the reporting date, that's a furnisher error under §623 — dispute directly with proof.
Related solutions
The rest of the defense stack.
Credit
Credit Report Errors
Every reporting error, professionally challenged.
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Debt
Debt Collections
Turn every collector into a compliance problem.
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Credit
Charge-Offs
Stop paying for accounts the furnisher can't verify.
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Identity
Identity Theft
Freeze, dispute, recover — in the right order.
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Ready to run the play?
Start with a free credit audit. The AI Credit Analyst reads your file, flags issues, and drafts the first letter — all in under 5 minutes.