/ Register

wrong addresses

Discussion in 'Credit Talk' started by duke, Mar 18, 2003.

  1. Mar 18, 2003 #1
    duke

    duke Well-Known Member

    how do you dispute wrong addresses? is there a form letter?

    i didn't know if sending a letter or using one of the cra's forms would do.
     
  3. Mar 18, 2003 #2
    jason_l

    jason_l Well-Known Member

    "this address is wrong, I never lived there. Please remove".

    I last cleaned up my CR 3 years ago, and i never used any form letters or anthing beyond plain old conversational english in them. Never quoted FCRA, etc. I ended up totaly clean, just to get laid off right afterwards (laid off 3 times total over 18 months) and got myself right back into a hole again :(
     
  4. Mar 18, 2003 #3
    chipper

    chipper Well-Known Member

    I just started repairing my credit last month. Using advice I found on this board, I simply called the big three, told them they were wrong, and they deleted them without a word.

    Equifax 888-567-8688
    Experian 800-583-4080
    Trans Union 800-916-8800
     
  5. Mar 18, 2003 #4
    duke

    duke Well-Known Member

    thanks guys,

    i'll go ahead and try it. keep you informed....

    sorry to hear that jason. keep your head up.
     
  6. Mar 18, 2003 #5
    jason_l

    jason_l Well-Known Member

    thanks!
    back then i never came accross this group or any others :( it would have been very nice! it has a support group effect :)
    at least i know it's possible, since I've been there before. and guys like bill bauer opened my eyes to entirely new approaches... unfortunatley, this time around I have Cap 1 to deal with, and it appears they're tough.
     
  7. Mar 18, 2003 #6
    lakpr

    lakpr Well-Known Member

    I called TU and they refused to remove the old addresses :( The rep said she would put that piece of information "IN DISPUTE" whatever that means ...

    I want to try writing a letter and see what happens ..

    -- lakpr
    :)
     
  8. Mar 18, 2003 #7
    monanell

    monanell Active Member

    Just to let you know, I just told each of the BIG 3 that I *co-signed* for a family member, and when that company reports the pay record, they report the information on my credit report too. I went on to say that I NEVER lived @ that address, and that I want it removed. That's all it took, and ALL the old addresses are gone.
    Hope this helps!
    monanell
     
  9. Mar 18, 2003 #8
    jlynn

    jlynn Well-Known Member

    I feel for you. May, 2000, December 2001, November, 2002. Now we get to explain the "job changes" on DH's resume. Oh boy.
     
  10. Mar 18, 2003 #9
    mark

    mark Well-Known Member

    I have called in the past and had them revmoed over the phone with EQ and EXP.
    TU made me go through the 30 day dispute process.

    Some addresses EXP would not remove, even tho they were mispelled, backwards, wrong numbers, etc.

    The reason? some items that werent showing on my report, and hadnt been showing for like 2 years..had those addresses associated with them. They said because of that, they could not be removed.
    so, this tells me that they have seperate reports that they keep on you, which I already found out..for like mortgages over 160k or whatever, they'll pull a more 'detailed' report.
    you can't even see the items to even dispute them. The only way I knew they were there was because I tried to dispute a clearly incorrect address.
    idiotic.
     

Share This Page