Help raising score for a mortgage

[Anonymous]

How does removing old addresses help if I might ask?

[dreamy10250]

Interesting I just received a notice my score is now 611 because of the dispute with First Premier should I be worried?

[Indianaguy]

 So the old addresses are tied to the creditors , when removing the old addresses from the 3 credit reports will help when you dispute the collections and it will be harder for credit reporting agencies to verify the debt with creditors , the credit reporting agencies will have your new address and the creditors will have your old address this can really help you in the verifying process 

[Indianaguy]

Well first premier shouldn't be on your reports it should of been removed long ago there way past the statue of limitations, it's past the 7 year mark you do not have to pay that one ,when you disputed with credit bureau how did you dispute it? Did you look at your report today then maybe they removed it since its past the SOL

[dreamy10250]

I have not checked I will definitely do that. 

[Indianaguy]

any updates?

[dreamy10250]

Thanks for asking. I recently paid off Walmart and Amazon they were closed previously. Amazon did remove all my late payments but no score increase still at 611. First Premier will not do a PFD but gave me a settlement of $177. I haven't paid it yet have until Tuesday. I'm steadily trying everything.

[dreamy10250]

I also did delete my old addresses.

[Anonymous]

Deleting old addresses..... How is that done exactly?

[dreamy10250]

I just requested old addresses be removed and I had an Arizona address listed I never lived in Arizona I believe that was the result when a credit card of mine had fraudulent charges.