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 reverify 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.

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The negative item I challenged has been confirmed by the lender. What should I do now?

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How do I correct negative information on my credit report?