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All three CRAs are reporting my husband's business address as either a current or former address. I have never lived there and I have no interest in the property. I'm worried that if I contact the credit agencies during this process that it will mess things up or show as a dispute. The lender has asked for a letter of explanation as to why this is showing as a residence. I know it is because one of our bills gets sent there.
Has anybody had experience correcting address history? Can it happen quickly and if so, does it show as a dispute in the meantime?
When I had some incorrect addresses removed from my reports it did show that I was disputing them but they also took them off very quickly.
I wouldn't chance it if your in UW. If your LO is asking for a LOE than that's probably all you really need to do.
Thanks. I've decided it is better to not chance it. I'll fix it as soon as I close on this loan. Fingers crossed.
Good luck!