I've read the postings here and understand that if the judgement was related to an old address, that address can be deleted and potentially the CRA can't verify the judgement and may delete it. Unfortunately I haven't moved so I was wondering if anyone else has had this problem. I have thought about getting a private mail box with a street address and just changing all my mail to that box and not even getting it at my current address any longer. Then trying to get my current address deleted. The other thing to note here is as I've started my credit repair journey, the first thing I did was get my credit reports online and typed in my current address. I have privacy guard also. I have just read and read and read and am ready to start taking some action but I thought this first step might be the most critical. Any comments here? Also, I received an offer from Cap 1 for a pre-approved $3,000 credit limit and was wondering if I should go for it. I have not gotten my FICO scores but I know based on one of the online pulls that they are probably below 600. I think it would be highly unlikely I would be approved. Why do they send these to people with low scores. Do the promotional inquiries only give them limited information and then when people apply, they pull a hard and deny them because they really see how crappy your credit is? It amazes me that I continue to get pre-approvals and I know my credit right now is not so great (soon to be better hopefully). Just curious if any one knows why they send these only to shoot us down.