@fbmcardl2
Yep, we can only speculate.
That said, I think it would be unrealistic to expect the IRS to ADD the retirement Savers credit, or any other tax attribute. If your original return already had a credit, the IRS might be able to adjust that credit.
My best guess is they'll give us the option of taking a simple refund (your marginal rate x $10,200) or filing a amended return for a more complex situation.
