I don't know but I would like to see this answered.
Look at your real reports from annualcreditreport.com. Creditors place your address on your file. If there are addresses that dont belong to an account. Ask for deletion. Never heard of iPostal. Banks and so on like a physical address. Not in favor of PO Boxes either with some of them. The Patriot Act comes into play. So this iPostal thing isnt cutting it when you app. It says on most apps no PO Boxes. Part of having a roomie. You can see their mail. $10 bucks a month? Thats strike 3 without a clear approval. Might want to rethink your strategy. Does your DL have where you reside?
I wonder the same thing about old addresses.. just for entertainment though... Reason being I never had a problem since the CRA which have multiple addresses on the report have my current addresses also -- either stated as such or at the top of the list.
As for an address which is not a residence (Fed-X, UPS Store, etc), that is what use for everything except driver's license and passport. Sometimes a CC application has required a call but otherwise I've established a non residential address as my primary address. Most important establishments (bank, broker, etc) require a residential address too, but honor that it's not used and just a formality.
IIRC some CRA just assume everyone has a single address, others account for mailing or business address, previous, additional residential addresses, etc. I think EQ has addresses going back 30+ years still listed. All are correct historically, but they ignore them for the most part too. I think one time I needed to give a security question based on an apt I rented for a year back around 1989. They seem to know they are old and not related to me anymore so I don't really care personally that they are there.
If it ain't broke, don't fix it.
My EQ report looks fine despite lots of very old info in there.. I don't want to tempt fate by having them touch it more than needed.
PS: if you have incorrect (as in never been there) addresses I'd remove them. But for old ones, if you want to just clean the report up, make a copy of all that old stuff even the inaccurate stuff -- it may come up sometime in a security Q&A on the phone or something.
Yes, addresses matter in my opinion. Your current address needs to be listed as current on all 3 bureaus. I ran into similar issues years ago and addresses being out of order was the culprit.. Now that I moved, I'll have to update across the bureaus once again. For me, it makes verification easier and especially if your ID/Drivers License match as well.
