Why is challenging a credit entry effective?
There are three reasons for this. First, the credit bureaus were too busy during a particular period that they could not re-verify the item you challenged within the time limit, and therefore they removed it. Second, because of human error correct information was inadvertently deleted. Third, after two or three years a closed or inactive file is often stored offsite by your old lenders, and so they cannot access it, and as a result they do not respond to the credit bureau because it is too much work.
