You can change your address on your credit report.
Your credit report contains a lot of information.This is important to you, and you want to make sure that the information on your credit report is accurate.You might need to update your address if you move.You might need to correct the address that is reported.
Step 1: First of all, tell your creditor about your move.
Two of the three major credit reporting agencies say that when you move, you need to notify your creditor, not the agency.Notices of any address change will be sent to the agencies.If you do business with any companies, it is important that you inform them of your debts.If you don't notify your creditor when you move, your bills and notices may be delayed and your payments may not be on time.Even though they don't require a notice of address change, if you want to be cautious, you can send it to them.You don't need to worry about any particular proof of the new address.
Step 2: It's a good idea to let TransUnion know of your move.
If you want to change your address with the third major credit reporting agency, you have to notify them directly.To update your address, you will need to send a written request, along with two forms of proof.The proof can be in the form of a photo of the driver's license, bank or credit union statement, or signed letter from the homeless shelter.
Step 3: The documentation should be sent to the appropriate office.
Send your letter to the address you want to send the notice to, with any supporting documentation, if you are notifying TransUnion of your address change.It can be very easy to write a letter.I am writing to let you know that I have moved to a new address.The new address is _____.I am enclosing a copy of my new driver's license and a utility bill that show this new address.Box 1000 is in Chester, PA.Send a letter to Equifax Information Services, P.O.The box is located in Atlanta, GA.Send a letter to the P.O.Box 2002, Allen, Texas.
Step 4: Determine if there is a valid reason for the dispute.
A change of address doesn't affect your credit report.A dispute can be used to correct something that is incorrect.This could be an address that you never used, or a typographical error.If your correct address is 123 Main Street, but it appears on your credit report as "124 Main street," you should treat it as an error.
Step 5: You can dispute your address by mail or online.
By mail or online, you can notify Experian of an error in your address.Making the report online will lead to quicker service.You can make online changes at http://www.experian.com/disputes.You can find a link to start a new dispute online, and then follow the steps to report the correct address.You can mail any disputed information to the National Consumer Assistance Center, P.O.The box is located in Allen, Texas.Your address on your credit report is incorrect, so include a statement in your letter.Provide the current information and then state what you think the correct information should be.You should include copies of supporting documentation, like a utility bill or driver's license.
Step 6: You can report an incorrect address through the dispute process.
You can begin the dispute process online or by mail.Reporting incorrect information online will result in faster results.If you want to report a correction online, begin at the Equifax Online Dispute page.You can report incorrect information by mail.The box is located in Atlanta, GA.
Step 7: If you have incorrect address information, report it to TransUnion.
You can dispute incorrect information by mail or online.Faster results will be achieved by online reporting.To report online, visit the screen to dispute an error.This screen will prompt you for a password.You will need to create an account if you haven't used it before.The details of your dispute will be entered after that.Tell them about the incorrect address.The same account can be used to check on the status of your dispute later on.If you report an incorrect address by mail, it will be treated the same as an address change.Send a letter requesting the correction along with two forms of proof, such as an ID or utility bill, to the Consumer Disclosure Center, P.O.Box 1000 is in Chester, PA.
Step 8: It's possible that the address is a fraudulent one.
An incorrect address is not likely to rise to the level of fraud.If you notice an incorrect address, it could be a sign that someone has been trying to steal your credit identity.
Step 9: You can begin by contacting any of the credit reporting companies.
If you are concerned that you may be the victim of credit fraud, you only need to contact one of the three credit reporting companies.The other two companies will be notified by the company that accepts your report.You can reach them at 800-680-7289.You can get in touch with them at 888-397-3742.You can contact the company by phone.
Step 10: You can submit an initial fraud alert about your address.
If you want to place an initial fraud alert on your account, you should notify whichever company you choose.The note will be on your credit report.If you are asked to lend you credit in the future, you will be warned if you don't have your identification on you.This is designed to protect you.There is no effect on your credit score from an initial fraud alert.If you have reported an initial fraud alert, your creditor may not refuse to lend to you.You don't have to pay for placing a fraud alert on your account.
Step 11: You should mark your calendar for 90 days.
The fraud alert is in place for 90 days.If you don't see any other activity that leads you to believe that something is fraudulent, then you may just let it go.You can ask to have the alert renewed by calling one of the companies.