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No, removing old or inaccurate address data from your CRs does not delete your account or tradeline information. I can't think of any instance in which such would even occur.
@FinStar wrote:No, removing old or inaccurate address data from your CRs does not delete your account or tradeline information. I can't think of any instance in which such would even occur.
So @FinStar, a related question about old addresses being deleted. A good example happened just this morning when I applied for DCU membership. Two extremely old addresses (I’m talking eons ago) were in 2 of the questions about what addresses were associated with me. So if old addresses are removed, would it create an identification verification problem.
Also, on another note, an employer I worked for in 1995 was one of the questions too.
@CreditInspired wrote:
@FinStar wrote:No, removing old or inaccurate address data from your CRs does not delete your account or tradeline information. I can't think of any instance in which such would even occur.
So @FinStar, a related question about old addresses being deleted. A good example happened just this morning when I applied for DCU membership. Two extremely old addresses (I’m talking eons ago) were in 2 of the questions about what addresses were associated with me. So if old addresses are removed, would it create an identification verification problem.
Also, on another note, an employer I worked for in 1995 was one of the questions too.
It's a good question for sure. I've never deleted any previous addresses since it's not so much the primary CRAs that use this information for ID purposes, but also the FIs who rely on some of this data (or public records) in addition to other sources like Innovis, LexisNexis, ChexSystems, etc. So, it really depends on what sources and/or data the FI is relying upon.
For individuals that have had the same address for a very long time I'm sure it presents no issue, but for others who have multiple residences, alternate addresses, or relocated quite a bit can become a bit more complex.