topic Re: Previous addresses in General Credit Topics

Previous addresses

Anonymous — Sun, 07 Sep 2008 01:39:26 GMT

Is it a good thing to have your previous addresses listed on your credit report.

Re: Previous addresses

Anonymous — Sun, 07 Sep 2008 04:05:38 GMT

EXP shows the address ID-on each trade line.

I recently zapped all old addresses that were not tied to TL's.

During repair/rebuild I advise people to remove as many addreses as posible.

mjbfan79 wrote:

Is it a good thing to have your previous addresses listed on your credit report.

Re: Previous addresses

Anonymous — Sun, 07 Sep 2008 04:16:39 GMT

Timothy wrote:

During repair/rebuild I advise people to remove as many addreses as posible.

Why is that can it be a problem like verifying your identity when your apply for new credit. I always thought it was a must to have your previous addresses report on your credit reports i'm confused lol.

Re: Previous addresses

Anonymous — Sun, 07 Sep 2008 04:29:41 GMT

I have lived at the same address for 10 years-

I only have 3 TL's that were not opened at this address- 1 of these was paid off at this address, 1 that will drop tomorrow,

I am VERY consistent in entering my address and have never had an issue verifying my identity.

mjbfan79 wrote:

Timothy wrote:

During repair/rebuild I advise people to remove as many addreses as posible.

Why is that can it be a problem like verifying your identity when your apply for new credit. I always thought it was a must to have your previous addresses report on your credit reports i'm confused lol.

Re: Previous addresses

smallfry — Sun, 07 Sep 2008 13:39:22 GMT

It is best to get rid of old addresses. Identity fraud can be a problem. Offers go to old addy someone might be able to get a card in your name. Who needs the grief?

Re: Previous addresses

Anonymous — Sun, 07 Sep 2008 14:03:03 GMT

smallfry wrote:
It is best to get rid of old addresses. Identity fraud can be a problem. Offers go to old addy someone might be able to get a card in your name. Who needs the grief?

I been denied credit 2 times in the last 2 years for a creditor not being able to verify my identity. If i dispute previous addresses will they remove them? also the reason i'm asking this is i moved around allot of the last 6 years so my credit reports have like 3 addresses listed my current and the last to address i lived at.

Re: Previous addresses

smallfry — Sun, 07 Sep 2008 14:30:12 GMT

IF you have any tradelines reporting to Experian with the old addresses you will have to wait until the tradeline is off the report before you can dispute them off online through Experian's website.

Sometimes you can get lucky on the phone with Transunion in getting basically anything removed.

equifax is a crapshoot. It depends on what side of the bed they got out in the morning. My EQ is clean my SO's has a PO box she cannot get off yet. Must be a might large PO box you would think.

Re: Previous addresses

Anonymous — Sun, 07 Sep 2008 14:40:07 GMT

smallfry wrote:
IF you have any tradelines reporting to Experian with the old addresses you will have to wait until the tradeline is off the report before you can dispute them off online through Experian's website.

So evan if the account is closed an it connects with the old address i can't get it removed?

Re: Previous addresses

smallfry — Sun, 07 Sep 2008 15:36:14 GMT

@Anonymous wrote:

@smallfry wrote:
IF you have any tradelines reporting to Experian with the old addresses you will have to wait until the tradeline is off the report before you can dispute them off online through Experian's website.

So evan if the account is closed an it connects with the old address i can't get it removed?

With Experian the chances are no. As long as it is being reported the address will probably be near impossible to remove. I wouldn't dispute a closed positive tradeline either just to get an old address removed because you then run the risk of losing the positive history by having the thing deleted entirely. Removing old addresses is way down the food chain. Way down.

Re: Previous addresses

Scamp — Sun, 07 Sep 2008 15:48:49 GMT

smallfry wrote:
IF you have any tradelines reporting to Experian with the old addresses you will have to wait until the tradeline is off the report before you can dispute them off online through Experian's website.

Sometimes you can get lucky on the phone with Transunion in getting basically anything removed.

equifax is a crapshoot. It depends on what side of the bed they got out in the morning. My EQ is clean my SO's has a PO box she cannot get off yet. Must be a might large PO box you would think.

Smallfry, I had no idea I could get old addresses removed; I thought that, since they are accurate as 'previous addresses' they had to stay on there.

When disputing to get them taken off, what's the justification given for removal? 'Not current'?

Re: Previous addresses

Scamp — Sun, 07 Sep 2008 22:03:41 GMT

bump...

Re: Previous addresses

Scamp — Mon, 08 Sep 2008 14:06:06 GMT

scapegrace13 wrote:

smallfry wrote:
IF you have any tradelines reporting to Experian with the old addresses you will have to wait until the tradeline is off the report before you can dispute them off online through Experian's website.

Sometimes you can get lucky on the phone with Transunion in getting basically anything removed.

equifax is a crapshoot. It depends on what side of the bed they got out in the morning. My EQ is clean my SO's has a PO box she cannot get off yet. Must be a might large PO box you would think.
Smallfry, I had no idea I could get old addresses removed; I thought that, since they are accurate as 'previous addresses' they had to stay on there.

When disputing to get them taken off, what's the justification given for removal? 'Not current'?

bumping again...sorry to be a pest, but I've got loads of old addresses I'd like to dump off my reports - just need to know how to word thngs when disputing...

Thanks in advance.

Re: Previous addresses

Anonymous — Mon, 08 Sep 2008 14:24:08 GMT

TU and EX allow this online-

If there is a TL tied to an address on EX- it will promt you to call them.

Dispute the EQ ones by phone-

Re: Previous addresses

Scamp — Mon, 08 Sep 2008 15:27:17 GMT

Timothy wrote:
TU and EX allow this online-

If there is a TL tied to an address on EX- it will promt you to call them.

Dispute the EQ ones by phone-

Thanks, Timothy, but that's not quite what I meant to ask.

My question is what REASON/JUSTIFICATION I need to give for disputing an accurate former address? Is just its being not my current address sufficient?

My confusion stems from those old addresses being accurate (can't dispute accurate information issue) and from having had CRA websites use former address questions to verify whether or not I'm me, in the past.

Can you just say "please remove all these former addresses" without explaining further? Is their being old reason enough?

Thanks again.

Re: Previous addresses

Anonymous — Mon, 08 Sep 2008 15:47:51 GMT

scapegrace13 wrote:

Thanks, Timothy, but that's not quite what I meant to ask.

My question is what REASON/JUSTIFICATION I need to give for disputing an accurate former address? Is just its being not my current address sufficient?

My confusion stems from those old addresses being accurate (can't dispute accurate information issue) and from having had CRA websites use former address questions to verify whether or not I'm me, in the past.

Can you just say "please remove all these former addresses" without explaining further? Is their being old reason enough?

Thanks again.

Thats what i'm trying to understand.

Re: Previous addresses

Scamp — Tue, 09 Sep 2008 13:32:10 GMT

mjbfan79 wrote:

scapegrace13 wrote:

Thanks, Timothy, but that's not quite what I meant to ask.

My question is what REASON/JUSTIFICATION I need to give for disputing an accurate former address? Is just its being not my current address sufficient?

My confusion stems from those old addresses being accurate (can't dispute accurate information issue) and from having had CRA websites use former address questions to verify whether or not I'm me, in the past.

Can you just say "please remove all these former addresses" without explaining further? Is their being old reason enough?

Thanks again.

Thats what i'm trying to understand.

bump...

Re: Previous addresses

Anonymous — Tue, 09 Sep 2008 23:51:03 GMT

I have about 5 previous addresses on my CRs. None of them have anything to do with current TL. I tried to dispute the addresses and was told I could not because a creditor said I lived there.