Really? They go beyond the credit report in front of them? If so, how far do they go back?
7 years, then the title company does a super search. 4 days before i closed they found a tax lean from 1998. 20 years ago. Normal credit drops off after 7 years but liens can stay on forever.
Also, ask your lender if he knows of a reputable credit repair agency. I wish i would have paid the 150 bucks my loan officer recommended to me, it would have saved me several months and probably raised my credit score even higher.