OK, This week I should get my CRs in the mail from the big three CRAs. I know there will be a minimum of 4 addresses on the report where I have lived in the past. Q: Do I do the "Not mine" approacn on all addresses but my current one? Or considering that I have a delicate car reposesion situation which occured in late Nov. of 02, should I also proact and do a deletion on my current address and give them perhaps a different address for my current one, so I would I have an easier time fighting the negative repo tradeline as a "not mine" in the mid future? Could this be a good strategy if my current address is missing from the report. Another important note: all my recent payment delays have occurred during my most recent address..... Please advice.
You can call them up and request they remove all your old addresses, aliases, and work history. They will do it immediately and send you an updated report!
OK the first part of my question is easy. I read into it, but I am looking for the experts to advice me on the second part. Do I get a PO BOX for the time being (like lizardking did in the beginning?) Do I use maybe my parents address or a friend for now? to have a better chance of disputing the "not mine" repo in the future? I already know I need to open up a second checking account to hide my paychecks from them.....I live in California if that info helps.
When you call them up to request the deletions of your old addresses, aliases, etc., they will ask you what address you want to use. Give them a PO box (if you have one). But remember as soon as a creditor updates the report with a different address - that address will be added back.
I see old addresses listed only on my Experian report. But the CSR refused to remove any of the old addresses at all from my credit report. Can you tell me how did you manage to remove your old addresses? I'd like to do the same, and know
