NFA= No Fixed Address
I have 7 different addresses for the past 7yrs listed on my CR. I'm sure this hurts me.
Here's the deal- I live on my boat. In 2000 I was facing foreclosure on my house (health/medical issues, subsequent loss of job, you don't want to hear the whole sad story) & tried selling the boat to keep the house afloat (pun intended) but it just wasn't selling. I lost my house & since I had the boat I moved aboard. I've cruised up & down the coast, Maine to the Bahamas, etc. I maintain a ~legal~ address at a friend's house for driver's license, IRS, SS, voting, passport purposes, but using that address for the mundane things, like bills, proved to be a real hassle and an imposition on my friend's generosity. I tried forwarding through the USPS but that did not work out. So, over the past years I've gotten UPS PO boxes in different ports up & down the coast where I've stayed for longer durations. I'm aware of a few mail forwarding services but they tend to be expensive and snafus crop up. It's difficult trying to explain my circumstances to a creditor, they seem to have no awareness or comprehension of such a situation or lifestyle.
Any thoughts from others that may be in a situation similiar to mine? How do you manage it?
Thanks
PS- I really want my ~legal~ address to remain as is for a variety of reasons
The "how long you have been at your address" really only applys to stability which could play a role on whether or not you are approved.