PFD return address, use a PO BOX

[bahbahd]

I was just thinking about and wondering if sending communications to CA's with your current address is a bad idea. Meaning, your current address or any address that is on your CR. It just seems like a bad thing. Wouldn't it be better to get a PO Box for all DV, PFD and other communications with the collectors?

[pizzadude]

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@bahbahd wrote:

I was just thinking about and wondering if sending communications to CA's with your current address is a bad idea. Meaning, your current address or any address that is on your CR. It just seems like a bad thing. Wouldn't it be better to get a PO Box for all DV, PFD and other communications with the collectors?

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IMO it wouldn't be worth the hassle.   CAs know where you live, or they can easily find out just by pulling your credit reports.    

I wouldn't go around giving them any other info though...like phone numbers, etc...

[Booner72]

Only if you were engaging in HIPAA which involves deleting old addresses, would you need to worry about that, IMO.

[sge760]

I rented a po box for my credit repair purposes.   It's easier for me to keep track of everything, and I don't have to worry about my roommates accidentally reading my mail or forgetting to give me a piece of mail.

I actually updated all of my bills to this address as well.  I think it's all a matter of personal preference.

[OptimalFICO]

I feel it's wise to use a PO Box for this and other purposes - for your purpose espeically if you have moved. Not to mention the fact that your mail is much more secure to help avoid mail theft, etc. But when I got into trouble years ago, I had used a PO Box and a voice mail number exclusively because I moved so much as a student and had heard via law enforcement that it was safer.  When I had to go on temporary disability and couldn't pay my bills, I was never once bothered by creditors as they didn't have any other current contact info.  I deleted any messages when I called into my VM and put the collection letters aside without opening them until I was in a better position to deal with them. I highly recommend it. Even though my CR and scores are now stellar, I continue to use a PO Box for safety against identity theft.  I have a friend who moved three times in seven months. It was a total pain having to keep changing his address, and it creates a longer CR so you run the risk of having it split off. And I have read that creditors don't like to see lots of addresss changes. It would have been much simpler if he had a PO Box. His address never would have had to change insofar as his creditors were concerend, or anyone else for that matter.