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If the credit bureau cannot verify the discrepancy, they have to remove it. This can actually operate your favor as businesses may not have any information going back that far.
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You can and should figure out how to raise your obscenity loans credit score by eliminating errors from your credit report. In case your credit report does contain mistakes on it, this could drive down your own score.
To be able to file a dispute the dispute letter must be sent to the credit bureaus. In this notice, you need to include an explanation why the mark is wrong. Frequently reasons are; not actually my account, account compensated before sent to collections, product out of date. When the bureaus get your letter they will check out the mark.
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