youll need to accumulate all paper work from old navy saying they have nothing and mail it certified to the credit bureau/bureau's its appearing on. it wont happen overnight. itll take some time.

i had to get my dads house off my report when i went for pre approval. they said i had a 15 year mortgage history under my name and im only 25. doubt they give 10 year old kids homes. dont add jr to your kids name. it causes lots of problems.