Equifax is listing my old address as my current address, and my current address as my former address. Since most of my derog marks are associated with my ACTUAL current address, should I dispute my current address (listed at Equifax as my former address)? Am I sitting on a goldmine here?
I don't know about that but I will tell you what I have been helping a few friends do if all your derogs are associated with your current address. They are getting PO boxes and getting their utility bills sent to that new box. Then sending the new addy with proof to the CRAs and getting them updated. Once updated, dispute the old addys. This has been working like a charm. They don't even question the dispute, they just remove the addresses.
Sorry for my slowness but you're saying: Start having power and phone bill sent to a PO BOX, once I have some bills in hand, send them as proof of new current address to CRAs, then dispute all old addresses, then dispute all accounts pointing to those addresses? That seems a little too easy.
Has anyone else here done this? I mean if it works then it sounds like pure magic. Wishful thinking? Thanks for the input, DISPUTE.
I want to make sure you know just because you remove old addresses that doesn't mean the Trade line will be deleted when disputed. It just helps.
I recently disputed about 10 old address with Experian. (Not all 10 were mine. Some where duplicates) I just faxed them a letter stating that they weren't mine. I gave them my SSN, Date of Birth, address for the last 5 years (obviously I only put the ones I wanted to stay in my report) and a copy of the report I pulled. I circled the ones I disputed and put NOT MINE. They were deleted within 5 days with no questions asked.
Even easier than that gc, all you have to do is call Experian and they will remove any addresses you request right away. No proof needed.
Bigrahs, I think they must have changed their policy recently. I called them this morning and they asked me to mail them my disputed addresses and a copy of my driver's license. Scott
