change of address

I applied for a Target card and was turned down because Target couldn't verify my personal information (i.e., I just moved, and the CRA Target contacted still had my old address). I called Target, and the rep said I should reapply after giving Equifax 3-4 months to get my report updated with my new address. (Of course, I used the denial to get a copy of my Equifax report, which was sent to my old address and forwarded by the post office.)

Does anyone know how the CRAs update addresses and how long it takes? I've updated my address with my creditors. Should I dispute my old address? I want this updated, but I don't want to have to send Equifax a million copies of personal info (such as pay stubs) that is none of its business. If my info is updated, should I insist Equifax send Target a copy of the corrected report?

The other two CRAs need to be updated, too. (I also ordered a free copy of my TransUnion report after Sears turned me down because of BK, and I've never received that report -- which I am sure was sent to my old address. Who do I get this report?)

Thanks.

 

I think the denial letter implied that Target would do the same: allow me to verify my address and identity, though in this case by mailing in proof. But when I called to ask what I needed to send, the rep said the only thing I could do was to wait for the CRAs to update my address and then reapply.

I even asked if I could have Equifax send a copy of my corrected credit report (which, by law, it is required to do if I ask). But the rep said no, my only option was to reapply. (She did, though, hint that even with the bankruptcy my credit was good enough to get the card when I had the address straightened out.)

 

Well, my new home mortgage -- the reason for the change of addres -- is appearing on my Equifax report, which still lists my old address.

Any idea how many creditors have to report the new address before they change it? I don't have that many creditors -- maybe four or five, only three with balances.

 

Re: Re: Re: change of address

There were a couple of old items I wanted to dispute via mail, but I was waiting for it to get closer to the holiday shopping season. So I didn't want to call or send an online message to Equifax yet.

Any thoughts on how long I should wait for a TransUnion report? I was also turned down for a credit card that pulled TU, so I ordered my free report plus I paid the extra $3.75 for my credit score on Sept. 10. I still haven't seen this credit report. I'm pretty sure TU would have sent it to my old address, but the post office hasn't forwarded. (USPS forwarded my Equifax report.)

Should I be worried about the TransUnion report? I hate to think it could have gotten lost in the mail or delivered to the wrong address. Or does TU instruct the post office to return credit reports instead of forwarding them? Is so, what should I do now?

 

Re: Re: Re: Re: Re: change of address

I thought the free reports for credit denial were only available via mail, not online.