The credit reporting agency has ultimate discretion as to what information appears on your credit file. Disputing older accounts that are still within the valid report window, but older than 5 years will sometimes yield their removal. The older the account, the more likely agency won’t work to have it verified. Verifying information takes time, and if the account was scheduled to fall off in the next year or so, they may not want to waste their time. This is the only instance in which you should dispute valid information.
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