How long do previous addresses stay on your credit reports ? Do these hurt your credit ? There are 2 on the reports. One where I live now, and one where I lived over 9 years ago. Does that address hurt my credit ? Can I get it removed somehow if it does ? Also, I noticed that on my reports there are 6 variations of the spelling of my name. Obviously MAJOR typo's from other people. Does this hurt my report scores ? Thanks Deputy P.S. I was involved in (2) car chases today, so I am a little amped, and find myself asking useless questions
dispute your previous address as not yours. i had all my removed this way. as for the name problem, i too have the same issue. i'm not sure how to attack this one. maybe someone will post shortly.
dispute name, provide a censored copy of drivers license (IE NO DL #) and SSN # card to prove its your legal spelling. Always dispute Previous addresses and other names BEFORE disputing anything else. Many derogs can be tied to your name and addresses but not your SSN they will fall off.
I had/have the same issues on my Exp report. I had at least 6 variations of my names, more than 6 previous addresses listed, and 2 variations of my SSN# on my report. Most of these addresses aren't even mine. I faxed a letter to Exp simply asking them to remove the incorrect information. Well, they removed the names and the SSN# variations, except the addresses. Go figure! I just faxed them another letter yesterday asking them to remove these addresses. They are supposed to remove everything that's incorrect on your report.
Sam's right. I tried several times to remove an unpaid charge-off (which was really not mine). After I disputed the old address as "not mine" and they deleted it, I was able to get that charge-off removed. My credit has been improving ever since! =0)
A while back I was talking to an Experian (Allen, TX) rep who was nice enough to talk to me and not make me deal with the local bureau (who are a bunch of drones and only give the party line: "send us a letter in the mail"). Anyway, she was trying to fix my split/fractured credit profile. One big problem? 3 or 4 of my banks were reporting slightly different names: John Doe John Doe III John A Doe J A Doe III She admitted the only real way of having that stopped is to have my creditors change my name in their systems...
I try to be consistent but for whatever reason, a couple of the preapproved offers that came had a name variation on them. So, when I signed, that's the name the card came with. That was my backdoor into getting two cards with one bank that only issues "one card per person".
Did you try to get them to change the name on the computer at the credit card companies??? If you moved, they can change the address...when girls get married, they change their name (at least they used to) so why not your name???
I had a couple cards with my fiance and one CRA lists two of his addresses as mine on my report. He was the primary cardholder. If I dispute the addresses, will the card histories fall off with them? I don't want that to happen because they are two of my oldest cards with excellent payment stats. Should I just leave the incorrect addresses alone?
I have a long name, and I misspell it differently on newspaper subscriptions, magazines, etc. My original plan was to track who was selling me out to mail solicitations. It is interesting, I get solicitations from the same CC three times in the same week, slightly different name on each one. Unfortunately, on my Experian report, five of my pseudo-names have shown up. (!) I don't know how or if this affects ratings, but it looks terrible with six reported names showing up. I recently disputed a host of previous addresses with Ex, got those erased, now have to work on the names. I fear disputing too much at once, don't want some $8-an-hour data processor going whacko and really "fixing" my situation. Not sure why, but my Experian rpt listed addresses, employers, and other misc. info that seemed out of nowhere, wasn't on TU or EQ. They listed my drivers license number as my old home phone, plus showed an employer that was totally out of the blue. All of the inquiries look kosher, but lots of junk info got on there somehow. Soon as my last dispute (employers) gets back, I'll work on the spelling of my names. . .
Apparently Experian is the worst about this. I have 5 different name on my credit report, 3 are variations (with middle name or middle initial, one with nickname), 1 isn't mine at all (my deceased aunts) and one which is a crazy mis-spelling. I also have 7 addresses which are all incorrect variations of the correct ones- so that I have a total of 12 addresses showing up- I think this makes me look completely UNSTABLE. They also had me working for some insurance company in a state I never lived in and my birthdate was completely wrong- I got these things fixed thank goodness. By the way, none of these crazy things show up on either of my other reports...
