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Good news! This has taken awhile as my first request which was approved somehow got closed out so I had to reopen... just got off the phone with them again today and they said they have removed 3 late payments (These were not my fault gap insurance took about 6 months to pay for total loss!)
Anywho my question is... Nissan said it is all updated on their end... but that the bureaus could take up to 90 days! Anyone know how long it might take? I am hoping to have these off ASAP!
Also anyone know what kind of bump I might get? Only have one other 30 day late payment for the last 20 months. I'm so close to finally hitting the 700 club I hope these will give me the bump!
Congrats! I had lates removed from NMAC and it took about 60 days for the bureaus to update.
Who did you speak to at NMAC?
I did get about a 13point boost, but I had 6 lates and 4 were in the last two years.
I only got a 4 point boost from having 3 removed....
Congrats on the removal of these, OP.
For others that are looking to get GW adjustments made to their accounts, keep in mind the OP got negatives removed that weren't really his fault; it could be much more difficult getting them removed when they are legitimately your fault. That doens't mean don't try, though!
From my experience, if Nissan in this case has already submitted the revised data to the bureaus you should see it updated within a week. None of this 60-90 day stuff. I've never had my late payments take more than a week to come off of my reports once the submission from the creditor went through.