I've heard that if an item is NOT reported to ALL 3 major credit bureaus, then the item must be deleted. Is there any truth to that?
For example, I have a lien, which by the way has been paid and I've received a lien release letter for. I haven't attempted to have the lien removed from my CR's yet, but I've noticed that it's only reported on Experian and Transunion. Does it need to be reported on Equifax as well in order to be a valid item?
