Delete Late Payments. Boost Your Score Instantly.

A single late payment can drop your score 30–120 points, but they are not permanent. The LuxeNova DIY Late Payment Removal Kit teaches you the high-end, strategic method for challenging inaccurate late marks and requesting elegant goodwill removals. This is the soft, precise approach to credit restoration.

Your 3-Phase Late Payment Deletion Strategy:

• Phase 1: Goodwill & Correction: Ready-to-use Luxury Goodwill Letters (Standard & Hardship-Based) and phone scripts for a soft, direct request for removal from the creditor.

• Phase 2: Accuracy Challenge: Use FCRA Dispute Letters (Rounds 1 & 2) and the Direct-to-Creditor Furnisher Letter to legally challenge inaccurate dates, incomplete reporting, and non-compliance.

• Phase 3: Final Escalation: Access the CFPB Escalation Script + Filing Steps to pressure creditors and request deletion due to failed validation, backed by your detailed tracking log.

Late payments are often inaccurate due to reporting errors. Learn how to use these weaknesses to your advantage and watch your score rise.

⚠️ IMPORTANT NOTICE & DISCLAIMER

This is a digital download. No physical items will be shipped. LuxeNova Credit Firm provides educational materials and document templates only. Results vary based on individual credit profiles and personal action. All digital product sales are final.