topic Re: How to remove old addresses off Experian in General Credit Topics

How to remove old addresses off Experian

Anonymous — Tue, 26 Jun 2018 16:10:44 GMT

Does anyone know how to remove old addresses off Experian? It seems excessive to have addresses that are over 20 years old. I called and got trasnferred to someone in a higher position but she said if I have ever lived there they will not remove it. I have a long list of addresses and just don't want all of it there for reporting purposes as I will have credit checks for job hiring.

Re: How to remove old addresses off Experian

Anonymous — Tue, 26 Jun 2018 18:47:49 GMT

The first step is to carefully look at every account on your reports. They will either be:

(1) Open accounts

(2) Closed accounts that nonethless still occasionally send in a refreshed, updated record (even though nothing has changed). That may be as rarely as quarterly or even yearly.

(3) Closed accounts that have not reported to the bureaus for the last 14 months.

You can ignore #3 but in the case of the other two you should reach out to all of the creditors and make sure they have your current address.

The reason you are doing this is that you don't want to get addresses removed from the CRA report only to find that the addresses reappear when a creditor reports with the old address.

Two months after you have confirmed that all creditors have your current address, go through your report and circle every address you want deleted. Be sure that you have two addresses that you leave undisputed. Those would be your current address and your last address. CRAs often require that you have those.

Then just dispute all of those old addresses. Stay on message which is to simply say "this address is incorrect -- please delete." Don't get roped into a conversation about whether those addreses might have been correct at one time, and certainly do not affirm in a phone conversation with the CRA or in writing that any address might have once been correct. Just state simply (repeatedly if needed) that the address is incorrect.

CRAs have a legal responsibility to investigate anything you claim is incorrect -- and if they can't get a creditor to respond and affirm that the datum is correct, they have to delete it. With addresses this works out to deleting anything you claim is incorrect, since there won't be a current creditor that will affirm the correctness of that ancient address. That was my experience anyway when I get all my old addresses deleted. I also got employment info deleted and cell phone numbers deleted.

Re: How to remove old addresses off Experian

Cookiegrabber — Wed, 27 Jun 2018 04:44:04 GMT

I had many differently (wrongly) spelled versions of my old, correct addresses being reported on Experian.

I disputed them over the website, wanting to comment that the spelling/numbering/ordering was wrong, but there was no place to comment. It just logged all the disputes, and 5 minutes later I received confirmation emails from Experian for each of them that they were now deleted.

Re: How to remove old addresses off Experian

Anonymous — Wed, 27 Jun 2018 05:58:35 GMT

I used the online dispute method as well.

Again, be sure to get all creditors using your current address before you do the dispute.

Re: How to remove old addresses off Experian

Anonymous — Tue, 10 Jul 2018 22:27:03 GMT

HI,

When using the online dispute center to delete addresses... what reason did you use? "Never Lived" there? Or Residence Type Innacurate? Seems you have to select something and while some are old addresses 20+ years, I did live there at one time...

Re: How to remove old addresses off Experian

Anonymous — Tue, 10 Jul 2018 23:29:02 GMT

@Anonymous wrote:
HI,

When using the online dispute center to delete addresses... what reason did you use? "Never Lived" there? Or Residence Type Innacurate? Seems you have to select something and while some are old addresses 20+ years, I did live there at one time...

I used "Never Lived There" when I deleted mine. But in keep in mind: if any of the creditors on your report have that address associated with an account, Experian won't delete it.

Re: How to remove old addresses off Experian

Anonymous — Tue, 10 Jul 2018 23:40:08 GMT

Good to know. EX has an incorrect version of my mom's address. I never lived there, never had any mail delivered there.

I thought it may have been because I was/am executor of her estate. Now that the house is sold, estate almost closed... I guess it's time. I'm glad to know I won't have to talk to anyone. Silly to many, but some days/times it's difficult, for me.

@Cookiegrabber wrote:
I had many differently (wrongly) spelled versions of my old, correct addresses being reported on Experian.

I disputed them over the website, wanting to comment that the spelling/numbering/ordering was wrong, but there was no place to comment. It just logged all the disputes, and 5 minutes later I received confirmation emails from Experian for each of them that they were now deleted.