Deleting Old Address Will Also Delete Positive TL?

[Anonymous]

Hello all..I have quite a few old addresses on my CR's and I want to remove them.However I was told that removing old addresses would also remove the positive TL' s that are attatched to them.Is that correct?If I get the CRA's to delete the old adresses would the TL's also be deleted.Thanks for any response..

[laz98]

that has not been my experience, & i haven't heard of that happening to anyone, but maybe someone else has more information to share

[IOBA]

The way it has worked with my credit reports -

Delete old address and it says off UNLESS there is a tradeline that is still updating with that old address.   Which can happen.  Which does happen.

IF the old tradeline is not currently updating on the CR, then no worries.  The tradeline stays on until the CB ages it off.   Old address stays off.

And the third scenario is a CA can put a new collection on your CR and give your old address.  Then it's back on there.  

On a slightly different note - I continually dispute "incorrect" name spellings, addresses, and employment information that end up on the report becuase someone made a mistake when they pulled credit.  And I make sure all of the infomation is the same when I apply for credit.

[haulingthescoreup]

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@Anonymous wrote:
Hello all..I have quite a few old addresses on my CR's and I want to remove them.However I was told that removing old addresses would also remove the positive TL' s that are attatched to them.Is that correct?If I get the CRA's to delete the old adresses would the TL's also be deleted.Thanks for any response..

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Why do you want to remove old addresses, assuming that they're yours? They're not doing any harm.

[Anonymous]

Thank you for the replies..I Mainly want to delete one old address because I lived there at one time with my father,Im a junior,same name,and he used my name before a couple of times for utilities.My credit report actually has his SSN as "other used",which I need to remove also.Im sure he used my SSN for a job when i was about 17 also because he owed the irs for taxes.Not cool at all.But he did it.I never looked at my reports so I didnt ever notice it.He is now deceased but I dont want any association with that 12 year old address so that our names dont get mixed up for anything.I dont want to trigger a fraud alert or anything similar,especially before submitting my tax return so i havent contacted the CRA's about it yet.

[haulingthescoreup]

Ah, that completely makes sense.

No, you shouldn't lose any TL's if you get it deleted, but it might pop back on, and also, you don't really have any grounds to dispute it, as it did used to be your address.

Anyone else? --since OP did experience ID theft when associated with this address, would he have any grounds to dispute? Even if he (understandably) didn't file a police report or anything?

[Anonymous]

Its a horrible thorn in my side to have to deal with this but fortuantely the couple of bad marks that he left on my CR have long fallen off.I just want to remove the "other" SSN and address to have a cleaner report.The old address was mine aslo so I undresatnd but the other SSN probably bothers me more.

[haulingthescoreup]

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@Anonymous wrote:
Its a horrible thorn in my side to have to deal with this but fortuantely the couple of bad marks that he left on my CR have long fallen off.I just want to remove the "other" SSN and address to have a cleaner report.The old address was mine aslo so I undresatnd but the other SSN probably bothers me more.

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You would DEFINITELY want to remove the wrong SSN.

I would also look at opting out and possibly freezing reports as well, as the lovely credit bureaus sell reports to collection agencies that are trolling for business.

I'm afraid that you might be playing whack-a-gator with this for a long, long time.

[Anonymous]

Thanks again for the response..I have already Opted out as of last week.I don't want any of the trolling CA's to surprise me with anything..especially if the items are not mine!!

I will wait until after I file taxes,and receive my return,then have the other SSN removed.Some parents behaviors sometimes will leave you scratching your head

[Ms-Kato]

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@Anonymous wrote:

Thanks again for the response..I have already Opted out as of last week.I don't want any of the trolling CA's to surprise me with anything..especially if the items are not mine!!

I will wait until after I file taxes,and receive my return,then have the other SSN removed.Some parents behaviors sometimes will leave you scratching your head

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It's my understanding that even if you opt out CA's  can still get info from your credit report and if they want enter themselves

as the CA trying to collect a debt . ...someone correct me if I'm wrong.