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Change of address effect credit score and limits?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Change of address effect credit score and limits?

I'm in the process of moving... American Express has had 3 different address in the past 5 years and again I'm moving. Will this effect my credit score or credit limit with them or other cards for that matter?

 

Thank you and any help would be much appreciated. I'm looking to see if the postal mail does a forward but not a change of address too, just in case!

Message 1 of 5
4 REPLIES 4
Established Contributor

Re: Change of address effect credit score and limits?

No, changing addresses will not affect anything credit wise. All that will happen is a new address will get added to your credit report. 


I’m tip toeing my way back into the garden!



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 2 of 5
Regular Contributor

Re: Change of address effect credit score and limits?

When credit reports add another address does this cause a problem with future creditors wanting to give you credit? We've purchased a medium size Yacht and of course can't have mail delivered to the Atlantic. I'm planning on opening a mail box etc for a year while traveling and moving from our home.

Message 3 of 5
Valued Contributor

Re: Change of address effect credit score and limits?


@californiadreaming87 wrote:

When credit reports add another address does this cause a problem with future creditors wanting to give you credit? We've purchased a medium size Yacht and of course can't have mail delivered to the Atlantic. I'm planning on opening a mail box etc for a year while traveling and moving from our home.


I have over 20 (valid) addresses across my credit reports (including 2 PO boxes) and it's been no problem.

However, applications usually do want a permanent residence listed, so that might be a problem for you. 




Garden goal: Completely clean reports and a gold spade (which, at my current rate, is never going to happen...)
Message 4 of 5
Regular Contributor

Re: Change of address effect credit score and limits?

Thank you all for the help it was most appreciated! I'm done applying for credit. 

Message 5 of 5