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Very Slight Address Change - Shoukd I Be Concerned?

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EW800
Valued Contributor

Very Slight Address Change - Shoukd I Be Concerned?

Hi Everyone,

This morning I received a couple of alerts that there had been an address change to my Equifax report. I obviously checked it right away. What I found is that my previous correctly stated address changed by one letter in the street name, causing the street name to be misspelled. I have not applied for any new credit and have zero inquiries on Equifax, however I assume this very slight change must have been submitted by a creditor, correct? Or could it be from another source? Anyway to find out?

Just wondering if I should be concerned. The change is so slight that I was initially thinking that it is no concern, but then became a bit concerned knowing that I have not applied for anything recently.

Thanks!
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
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2 REPLIES 2
pizza1
Community Leader
Super Contributor

Re: Very Slight Address Change - Shoukd I Be Concerned?

I would dipsute that, and get it corrected. Same thing happened to me..My street name and then they left out "apt" on the end, and added the apt letter to the street name.  so it looked like a jumbled mess...just my 2 cents, maybe not worht anything lol

Message 2 of 3
takeshi74
Senior Contributor

Re: Very Slight Address Change - Shoukd I Be Concerned?

Disputing it with the CRA is just addressing the symptom and not the problem.  The problem is that one of your creditors is reporting that address.  You'd have to determine wihch creditor and correct it with the creditor.  Otherwise the address will just show up again when the creditor reports again.

 

This won't matter for scoring purposes but may trip you up with identiity verification questions if you can't keep track of the incorrect information as well as the valid information.

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