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Hi all! I am new to myFico and am so excited to be here! I have been working on my credit for the last 8 months after years of damage. I have improved my scores from the mid 500's to the mid to upper 600's. I have relied mostly on fico postings from various creditors that I have, but today recieved my official scores from myFico. Its time for me to get laser focused. My first step is a thourough review of my credit reports. I've only found a few issues that I would like some guidance in addressing:
1. I have two incorrect addresses that are listed on my account. How do I have them removed?
2. I have an account that is not mine and never has been. I belive it is connected with one of the incorrect addresses I mentioned above. The account is MCI, which I believe is cellular. It shows open for only a few months then closed with a CO of $800. It looks like I have attempted to remove this in the past, but there is only a note on the report stating I dispute it.
Any guidance on how to have these issues completely removed from my report would be greatly appreciated. Thank you in advance!
@Anonymous wrote:Hi all! I am new to myFico and am so excited to be here! I have been working on my credit for the last 8 months after years of damage. I have improved my scores from the mid 500's to the mid to upper 600's. I have relied mostly on fico postings from various creditors that I have, but today recieved my official scores from myFico. Its time for me to get laser focused. My first step is a thourough review of my credit reports. I've only found a few issues that I would like some guidance in addressing:
1. I have two incorrect addresses that are listed on my account. How do I have them removed? I mailed in a letter to the CRAs asking that all addresses except my current be removed with it I sent copy of DL and proof of current addr (CC stmt) they were all gone within 2 weeks.
2. I have an account that is not mine and never has been. I belive it is connected with one of the incorrect addresses I mentioned above. The account is MCI, which I believe is cellular. It shows open for only a few months then closed with a CO of $800. It looks like I have attempted to remove this in the past, but there is only a note on the report stating I dispute it. Use the ID Theft provisions afforded you in the FCRA to get it removed its pretty quick,
Any guidance on how to have these issues completely removed from my report would be greatly appreciated. Thank you in advance!
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