C.H.E.S.S Strategix
Remove Late Payments from Your Credit Report
A single 30-day late drops scores 60–110 points. The good news: late payments are one of the most removable negative items if you have a clean history with the creditor.
No credit card required. Founder-led service since 2018.
What you get
Goodwill letter
Call the original creditor, ask for a goodwill adjustment, follow up in writing. Highest success rate with banks and credit unions.
§623 furnisher dispute
Force the original creditor — not just the bureau — to verify the late was reported accurately.
Method-of-Verification
After bureau verification, request the actual method used. Vague answers force deletion.
Pay history strategy
Goodwill works best when the late is isolated. We help you sequence the ask.
Clients who moved their score
"47 points in 60 days. Three collections gone in the first round."
"Got my mortgage approved at 5.9% instead of 7.4%. Saved more than I'll ever pay them."
"Removed a charge-off the bureau swore was verified twice. The 609 + furnisher combo is real."
Frequently asked
- Do goodwill letters work?
- Yes, especially with credit unions and relationship banks. Success rates run 25–45% for first attempts and higher with persistence.
- How long do late payments hurt your credit?
- Late payments hurt most in the first 24 months. They report for 7 years from the date of delinquency.
- Can a paid-on-time account still have a late?
- Yes — a single 30-day late can stay even after years of on-time payments. That's exactly the case goodwill is designed for.