Fico Score based on # of prev addy?

Discussion in 'Credit Talk' started by Nestea, Apr 29, 2003.

  1. Nestea

    Nestea Well-Known Member

    Does your fico go down when you have more then one previous address listed?? I thought so, but It seems from the text on the site that it does not.

    hmm??

    -----

    The following personal information has been reported to Equifax by your creditors. None of your personal information is used in determining your FICO score. In addition, most lenders do not rely on this information for loan review.


    Name JOHN DOHEN
    Date of Birth January 33, 1950
    Social Security Number 547-87-1232
    Current Address 64 44TH AVE APT B2
    LINDEN, NJ 10314

    Previous Addresses
    22 PATCH AVE
    VALLEY, MA 00921

    20893 W 99 AVE
    BROOKLINE, MA 31111

    Employment History
    most recent: IRAQI MINSITRY OF MISINFORMATION

    STUDENT
     
  2. GEORGE

    GEORGE Well-Known Member

    I don't think so...my wife and I "BASICALLY" have identical credit and her F.I.C.O. is USUALLY higher and she has 2 "PREVIOUS" I only have ONE.
     
  3. lakpr

    lakpr Well-Known Member

    Nestea, please be extremely careful about posting your private information such as SSN, name and address on the web for anyone to see .....

    If I were you , I would request CCN Steve to edit this post of yours. Can't be too careful nowadays ...

    Just my suggestion.
    -- lakpr
    :)
     
  4. Nestea

    Nestea Well-Known Member

    Re: Re: Fico Score based on # of pr

    I wrote ministry of "mis"information... so no one would guess where I really work :)
     
  5. lakpr

    lakpr Well-Known Member

    Re: Re: Re: Fico Score based on # of pr

    I fell for it hook line and sinker! And I did not even notice the "Iraqi Ministry of Misinformation" part in your post; in fact I did not get past the SSN part :)

    Feel like a such a doofus :)

    Well, best of luck and warm regards

    -- lakpr
    :)
     
  6. robin

    robin Well-Known Member

    Re: Re: Re: Fico Score based on # of pr

    Actually, I have also wondered this myself. I personally have had my TU score go up after disputing and having deleted ONLY previous addresses. At the time I mentioned it on this board everyone insisted that something else had to have caused the increase. I am certain nothing had changed. However, the TU score is not FICO. I would also be interested in knowing if this information. One thingthat I have noticed with Equifax is that when you dispute addresses, occasionally they will also put into dispute accounts that are associated with this address. Apparently, if those creditors cannot verify the address under dispute then both the account and the address will be deleted, I have seen this happen twice recently.
     
  7. slppryslp

    slppryslp Well-Known Member

    Re: Re: Re: Fico Score based on # of pr

    I thought it would because they actually keep some other info too like whether you said you rent or own and what dates you said you lived there or what date that address was reported even though they don't disclose this in your personal credit report. Luckily the bureaus will easily take addresses off, usually you don't even have to lie and say you didn't live there, just say please remove this address. Anyways I've had a ton of addresses and I've never seen my creditwatch score go up or down when a new one reported or one was removed.
     

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