Why do some of my accounts appear in my credit report as unpaid for more than 3 years, even though they were closed a long time ago, always being paid on time? This information appeared not long ago because 2 months ago I applied for a loan and passed, receiving the money without problems. Who usually does this credit history check, the lender or another third-party company?
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The lender does not do the background check on you, usually, another company provides a report, so they are responsible for the inaccurate information. I suggest you ask for a copy of your credit report and to review it attentively. Write down all the mistakes you found and send a dispute letter to the credit reporting agency. the process is not difficult, but if you encounter any problems I suggest you to reach out to an attorney. Also, you could read this article for more information https://consumerattorneys.com/article/how-to-dispute-incorrect-information-on-experian-credit-report