Addresses and Opt-Outs

[david_weaver]

I have a question about former addresses and opting-out, more as it relates to my GF's credit than mine.

 

She has no ongoing disputes, and nothing derogatory in the last few years, so nothing to challenge in her file. And no old charge-offs or debts someone would come after her for.

 

Is there a reason having old addresses removed is a smart thing to do overall, or does it in only apply in the context of trying to clean up a file?

 

Sort of same question about opting-out? With one major and one store card, plus access an AU on another, she needs to add trade-lines to get her score up, even if includes store cards from Comenity or something similar. Simply paying mortgage and student loans every month is not budging the scores.

 

Is opting-out solely designed to keep people from going crazy and accepting every crappy deal that comes online or in the mail, or is there more to it?

 

As always, thanks for the help!

 

 

 

 

[mendelssohn]

All that opting out does is prevent pre-screened offers.

[Why Chat]

If you have no disputes then opting out is unnecessary.

 

If you do have disputes, or are going to apply for a mortgage loan, it is a good idea to opt out as it prevents the CRAs from selling your data to data miners

 

http://www.whychat.5u.com/OPTOUTINST.HTML

[hrguy]

As far as removing the addresses while opted in and even when opted out, it prevents mailed offers from going to the old addresses in the event of ID theft.