08-19-2012 03:07 PM
I've filed the same dispute 3 times.
It's simply changing my current address.
I called their CR.
I faxed my utility bill, state id and social security card to them on Saturday.
I even attached a copy of statement saying what the mistake is.
This morning, I received a letter saying my dispute was resolved.
But I can see the address is still wrong.
Are they really doing what they should do?
08-19-2012 04:34 PM
One of your creditors is reporting the old address to the CRAs, causing it to update with the old. You'll need to figure out which creditor is using your old address.
08-19-2012 04:39 PM
Currently, I have only one creditor on file. One credit card with no other credit cards or installment.
The other two credit bureaus seem to be correct.
Only equifax is wrong.
This made me really confused.
08-19-2012 04:57 PM - edited 08-19-2012 05:02 PM
I don't have other negative information.
I moved 3 months ago.
I updated the information to my CCC immediately and the information showed up from other credit reports as well.
Actually, my new address really appears on equifax's credit report.
But it showed up as my former address.
My real former showed up as my current address.
The first time, I disputed online.
They deleted my former address which is actually my current address.
I called a CR, filed a dispute, and faxed the required document.
I recently received a letter saying the my dispute is resolved.
I found that they sent my mail to my former address and USPS forwarded it to my current address(Thanks to USPS).
I disputed again on Friday and faxed the required documents last Saturday with required documents.
I received an email saying that my dispute investigation is done.
Nothing is changed.
08-19-2012 06:04 PM
Something is updating on your CR which is causing EQ to change the address. I'd make 100% for sure that your CC statement isn't being forwarded, including any other accounts reporting. Also look within your soft and hard inquiries. If you have an older creditor updating or soft pulling your credit, that could cause your address to change. If you can't zero in, I'd wait it out for a good 3 more months and that'll fix the situation if your current CC is reporting your correct address each month.
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.