Correction Ledger · earned, never bought
Companies whose record actually changed.
We only write down what the CFPB database shows. When a company's handling improves under one of the published rules below, it gets a dated entry here and a marker on its Record — with the exact before/after figures. Paying us for a Diagnosis tells a company what to fix; it never buys a line on this page.
Documented improvements (22)
- Mountain America Federal Credit Unionfirst recorded 2026-11-04
- Open complaints 51 (2026-10-05) → 38 (2026-11-04) (−25%)
- Williams, Rush & Associates, Llcfirst recorded 2026-11-04
- Untimely responses 97 → 48 (−51%)
- Keycorpfirst recorded 2026-10-29
- Open complaints 37 (2026-10-05) → 27 (2026-11-04) (−27%)
- Professional Recovery Managementfirst recorded 2026-10-29
- Timely response rate 4.4% → 37.7% (+33.3 pts)
- Untimely responses 87 → 38 (−56%)
- Block, Inc.first recorded 2026-10-28
- Untimely responses 26 → 7 (−73%)
- Crosscountry Mortgage Llcfirst recorded 2026-10-26
- Timely response rate 81.4% → 92.4% (+11.0 pts)
- Untimely responses 30 → 11 (−63%)
- Equifax, Inc.first recorded 2026-10-24
- Open complaints 66,418 (2026-10-06) → 31,242 (2026-11-05) (−53%)
- Equifax, Inc.first recorded 2026-10-23
- Open complaints 63,409 (2026-10-04) → 31,124 (2026-11-03) (−51%)
- America First Federal Credit Unionfirst recorded 2026-10-14
- Open complaints 37 (2026-10-05) → 23 (2026-11-04) (−38%)
- Lexisnexisfirst recorded 2026-10-11
- Untimely responses 31 → 9 (−71%)
- Open complaints 40 (2026-10-05) → 15 (2026-11-04) (−62%)
- Shellpoint Partners, Llcfirst recorded 2026-09-30
- Timely response rate 59.5% → 75.1% (+15.6 pts)
- Westcreek Financialfirst recorded 2026-09-28
- Untimely responses 142 → 69 (−51%)
- Rosebud Economic Development Corporationfirst recorded 2026-09-26
- Untimely responses 29 → 14 (−52%)
- Possible Financial Incfirst recorded 2026-09-21
- Untimely responses 32 → 0 (−100%)
- Servicer Under Contract With Federal Student Aidfirst recorded 2026-09-18
- Untimely responses 1,578 → 571 (−64%)
- Solar Mosaic Llcfirst recorded 2026-09-18
- Untimely responses 35 → 4 (−89%)
- Synchrony Financialfirst recorded 2026-09-18
- Untimely responses 210 → 24 (−89%)
- Waypoint Resource Group, Llcfirst recorded 2026-09-18
- Untimely responses 181 → 71 (−61%)
- Professional Debt Mediation, Inc.first recorded 2026-09-18
- Untimely responses 75 → 10 (−87%)
- Mohelafirst recorded 2026-09-18
- Timely response rate 24.0% → 71.7% (+47.7 pts)
- Untimely responses 1,821 → 517 (−72%)
- Imprint Payments, Inc.first recorded 2026-09-18
- Timely response rate 11.4% → 54.0% (+42.6 pts)
- Untimely responses 242 → 40 (−83%)
- Open complaints 82 (2026-10-05) → 46 (2026-11-04) (−44%)
- Bank Of America, National Associationfirst recorded 2026-09-18
- Untimely responses 40 → 13 (−68%)
The rules (ledger-2026-06-v1)
Recent = complaints received in the last 90 days; prior = the 90 days before that. Open = complaints received in the last 24 months still marked 'In progress' by the CFPB, tracked daily.
- Timely response rate up at least 10 percentage points, with at least 50 complaints in each window (CFPB 'timely' field).
- Untimely responses down at least 50% with at least 20 untimely in the prior window.
- Open (no final answer) complaints down at least 25% versus 30+ days ago, with at least 20 open at the start (requires our daily history).
Any one rule met = 'Documented improvement', shown with the exact before/after figures and dates. Complaint volume is reported but never counted as improvement — fewer complaints is not the company's doing.
Embed a badge: <img src="https://alphacovenantholdings.com/api/ledger/badge/your-company-slug.svg" alt="Documented improvement — Alpha Covenant Correction Ledger"> — it only renders while the improvement is on record.