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Just posting to share my experience removing a 30 day late on my VW loan from 2006 to 2011.
I had one 30 day late marked on my reports, I called to try and see what we could do as far as clearing it since the loan has been paid in full and closed, they said they needed to get a supervisor to look into it, called me back in a few hours, realized it was a computer error and that i had extended the payment for that month and was within 30 days of extension and they were going to remove the late mark from all 3 reports!
Easy Peazy!
This was my last "potentially negative" mark and am excited to see how it will affect my score once it shows on the reports...
Way to go! always good to get negatives off.