Rebuilding Your Credit

[Mishwatson]

Experian will not delete addressethat at are not mine! Any advice as to how to make them? 

[llecs]

Pull your full report from Experian.com or annualcreditreport. IIRC, Experian includes demographic codes with each TL. You can narrow out which TL is still updating on your CR with the incorrect address. Then you can contact that creditor and get it updated.

[Mishwatson]

I did that today, it is from a CA, that I have never gotten anything from (obviously cause they are sendin to a random po box 600 miles away! From me) so do I send CA (pinnaclea DV with my new address? ) how do I even approach the bear without  poking it?? 

[angeltimes3]

Is the CA affecting your credit score with their reporting?  If the debt isn't yours than start working on getting it off there.  That would be my advice.

[llecs]

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Mishwatson wrote:

I did that today, it is from a CA, that I have never gotten anything from (obviously cause they are sendin to a random po box 600 miles away! From me) so do I send CA (pinnaclea DV with my new address? ) how do I even approach the bear without  poking it?? 

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Do you think it could be legit (other than the bum address)? In other words, do you think you had a debt with the OC around the DOFD?

[Mishwatson]

i believe its an old verizon debt, but it says debt buyer and really no other info, under account type it says financial? it is for 1400. So right now pif is not an option .  How would you handle this? ill send dv but do I give them correct address Since they sending to random po box?   

[llecs]

I would proceed knowing that if the CA is deleted, then the current address would self-adjust when a CC updated next. I would also be wary of SOL and would only proceed if I knew I had the ability to PIF if I had to (to avoid a judgment if it ever came to that) assuming SOL had not expired just yet. Once SOL expired or if I had the $$$ set aside, then I would DV. If they verified and if I agreed, then I'd send a PFD. You can also ask the OC for statements. I did that to DW's Verizon CO and they were cool about it.

[Mishwatson]

Ok, looked at credit file from Eq and it is past sol, so I will dv disincentive I know they don't have correct address do I include my address in dv? 

[llecs]

I hate giving CAs info, but I can't see how they can respond without it. Your call.