Reply
Frequent Contributor
Posts: 424
Registered: ‎04-26-2012
0

Incorrect address on EX

I was looking through my EX report (free annual one) and I noticed that in the section that has past addresses listed, there are two additional incorrect versions of my current address listed. One doesn't have an apartment number and the other has an incorrect apartment number (off by one digit, like 1078 instead of 1088). American Express was the only new account added and incidentally, AMEX does not show the apartment number in the address on their site ("security" feature?) So I called them and they verified that they have the complete and full address. I have also since received statements from them at the correct address.

 

Is this something to be bothered about? Do I need to contact Experian to have that fixed? My main address that shows up does not have that error. I do not know if EQ and TU also have that error listed since their reports do not refresh. I have USAA CMS and it shows my main address is fine across the 3 (welll, may be "Ave" for "Avenue" is listed as "Av" on TU, but otherwise it is fine) but it doesn't show past addresses, which is where the EX report shows the incorrect versions.

PenFed Platinum Cash Rewards (19.5k), American Express Blue Cash Preferred (18k), Chase Sapphire Preferred (14k), Discover More (10k)
Moderator Emeritus
Posts: 10,932
Registered: ‎12-30-2011
0

Re: Incorrect address on EX

Not really to my knowledge, I've read some FUD regarding mixed up addresses on there; you can easily dispute them if the lender has already corrected it; however, if the lender still has the bogus address, it'll just get re-listed.

 

At least for me, as long as my bills reach me appropriately, I don't really care :smileywink:.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 424
Registered: ‎04-26-2012
0

Re: Incorrect address on EX

Thanks for the reply.

 

AFAIK, no lender has it incorrect.

 

EX lists additional incorrect ones and TU doesn't have direction marker for the street e.g., "Main St" instead of "W Main St". Can't believe anybody would be typing it manually, but they look like typos.

 

My addresses are good with all lenders (I get mail from them properly) - they're just off in those locations at the CRA.

PenFed Platinum Cash Rewards (19.5k), American Express Blue Cash Preferred (18k), Chase Sapphire Preferred (14k), Discover More (10k)
Valued Contributor
Posts: 1,977
Registered: ‎04-07-2009
0

Re: Incorrect address on EX

What Experian can tell you how is reportting the incorrect addresses. Once you know that you can correct the problem with who is reporting that address.

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
Frequent Contributor
Posts: 424
Registered: ‎04-26-2012
0

Re: Incorrect address on EX

Really. Can I talk to these people or do I have to write snail mail to them? I know they sort of run our lives but they seem kind of secret and unapproachable!

PenFed Platinum Cash Rewards (19.5k), American Express Blue Cash Preferred (18k), Chase Sapphire Preferred (14k), Discover More (10k)
Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009
0

Re: Incorrect address on EX

In your report directly from Experian (not a CMS report) you should find codes next to each address being reported. Within the accounts section you will find matching codes which will tell you the creditor reporting. If you do not find a matching code in the accounts section then it is a left over from an old creditor. If you dispute and request removal it will be gone.

 

If it is from a current creditor it will simply reappear the next time they report. The one you need to contact is the creditor reporting the incorrect information. Not the credit bureau. Hope this helps.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


Take the FICO Fitness Challenge

Frequent Contributor
Posts: 424
Registered: ‎04-26-2012
0

Re: Incorrect address on EX


HoldingOntoHope wrote:

In your report directly from Experian (not a CMS report) you should find codes next to each address being reported. Within the accounts section you will find matching codes which will tell you the creditor reporting. If you do not find a matching code in the accounts section then it is a left over from an old creditor. If you dispute and request removal it will be gone.

 

If it is from a current creditor it will simply reappear the next time they report. The one you need to contact is the creditor reporting the incorrect information. Not the credit bureau. Hope this helps.


Thanks for the advice, HoldingOntoHope. I checked the actual EX report. The codes from the incorrect and incomplete addresses don't match any of the accounts listed. The accounts all have the address code which is complete and accurate. This leaves me rather puzzled. :smileyfrustrated: Good to match the codes though. Thanks for that info!

 

 

PenFed Platinum Cash Rewards (19.5k), American Express Blue Cash Preferred (18k), Chase Sapphire Preferred (14k), Discover More (10k)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.