For details, speak with local lenders or consult a reputable online site. They then have 30 days to either confirm the item or remove it. Given the time required to schedule appointments with lenders and possibly the need to deal with credit bureaus, it's best to review credit reports two to three months before seeking a loan. Most items stay on a credit report for seven years, bankruptcies remain for 10 years. Moreover, the fact that a credit reporting agency cannot confirm a report item in 30 days does not mean they will stop trying.
Loan officers can help.
Also, call the credit reporting agencies below. In some cases, yes. Speak with credit reporting agencies for details. I had a late payment on a credit card three years ago according to my credit report and my lender wants me to write a letter explaining what happened. I have no idea.