Search the Community

How long do previous addresses not tied to any reporting TL remain on reports naturally?

Longtime Lurker and now ready to get this party started and would love some advice. I've read the newbie sections and stickys many times, but would still like some guidance on my next step. Had perfect credit from 1999 (age 18) when I got my 1st CC until mid 2007. As result of that I was in pretty deep debt. Close to 80K in installment loans, student loans, cc, and back taxes. Some worked with me and ONLY CRAP ONE and CITI (my one judgment) didn't and at the end of November I passed my states 6 years SOL on the CRAP ONE account. I have bank statements, CC statements, and copy of all letters sent to me regarding collections to prove this if challenged. The CITI judgment against me 5 years ago which lead me to CB and the 1st thin I did was opt-out as directed on here. I haven't applied for any new credit either since then. I have zero hard pulls on my accounts currently. I have been once a year getting my free credit report and trying to get the companies that I have been paying to remove my 30,60, and 90 day lates, and remove my old address. Been using Credit Karma and Credit Sesame for monitoring as well. Last week I sent in to get all three of my credit reports mailed to me, so I have hard copies and can do the next step, which i'm not 100% sure what I should do. Some of my current open accounts are linked to a P.O. BOX or even the banks address as I wanted to keep a low profile and look judgment proof as possible. I want to have all my open accounts with my correct current address now, so the will be less likely to verify my old address when I try to remove them correct? I'm not too concerned with removing the negatives trade lines left on my report as most will fall off in the next 6 to 12 months by default, but I would like to getll all these bogus addresses off or should. Or should I wait until all those negative trade lines fall off to get them removed? 2nd question....This will be my only eyesore left from one year from now and I really want it gone so I have totally clean reports. My judgment has another year left on it and I know they have the ability to renew it. I haven't paid if off as I thought it would trigger the other companies that I didn't pay off to start filing judgments too. Remarkably they haven't been able to collect a dime which is amazing. I'm not sure how they haven't track my employer down as it's been the same for 5 years and my salary is public information as I work for the government. Sometimes even a simple google search of my name will show where I work and what I'm paid. I've done my best to get these removed on the web when they do show up. I've stayed off Linkden, and I don't give my employment info to anyone. They once tried to garish out of a bank where I didn't have an account (had credit pull there) and also one time tried to garnish at a place I was last employed at in 2004, which might have been on my original account application. These guys don't seem very aggressive or smart. The judgment was 4K and is about 6k with interest according to my calculation. I have the ability to pay if off; however I guess I would like something in return from them (reduced interest/ remove judgment from CR, which I know is tough) Ideas on how to proceed with this? My concern is if I contract them, I'm turning up this stone, paying 6K and not getting anything in return. I'm I better off taking my chances and leaving this on my report for another 24 months and hope they don't renew? Thanks in advance!

I'm trying to boost my credit to get in the 640+ range. Middle score is 588. Sending letter's to remove old addresses from CRA's, what does this do and how can this help me? Any adverse effects will this cause? Will a CRA actually remove previously reported addresses? Does this help scores, or is this just for the purpose of avoiding identity theft?

So I sent letters a week or so ago to all three CRAs to have old addies removed and then today I received an email alert from creditkarma saying there is a Fraud Alert placed on my Transunion report. I think all 3 will have the alert since they send the alerts to each other. Is this a regular accurance? I used Whychat's advice and said in the letter that I'm concerned about identity theft and that's why I wanted the old addies removed. Is this a problem or is it no biggie?