Experian Address Removals

[smoothbelly8]

Hello everyone,

 

I am a newbie to the forum so forgive me if this question has been asked many times before. I have done a lot of research on the site and appreciate all of the helpful info I've gotten so far.

 

I am in the phase of removing all old addresses from my credit reports and have successfully been able to do so easily with Equifax and Transunion. As most of you know from what I read, Experian wont budge on any old addresses. I got some dorky sounding guy on the phone named Kevin that sounded like he was reading from a script. My questions is this: Is it even worth the time to dispute negative TL's with Experian or should I try to do so anyway?

 

I also read somewhere that someone "froze" their Experian CR due to this. What exactly does that mean and what does it entail? I don't want to tell them that there has been identity theft if that is what freezing is. But I thought that maybe it just meant that no one can pull credit from this agency but not because of identity theft.

 

Any help would be greatly appreciated!

[EnC_Plus3]

I know people complain about Experian often, my experience was great though. Experian is my best report and has been the easiest for me to deal with. If you have TL's to dispute it's my opinion to dispute them w/all the CRA's. You may be surprised with your Ex results. Even if you don't get the deletions you can at least know you tried and attempt later from different angles Make sure you dispute through the mail (certified).

 

Freezing your report just keeps creditors from pulling that report for credit applications. It's useful if you go on an app spree and get too many inq's on Ex...freeze it and many creditors will pull Equifax and/or Transunion instead...others will request that you lift the freeze, just depends on the creditor.

[gooddfella]

One thing I've noticed is after I removed my old addresses from TU and Equifax they reapread a month later. I guess the account I disputed updated all the information again or just by their monthly updates. I disputed the address again online and they gone again. We'll see how long it'll last.

[Guest]

It's best to call up on the phone.

[smoothbelly8]

Thanks everyone. If I need to freeze Experian in the end, how do I do that?

[BamaInvestor]

Thanks everyone. If I need to freeze Experian in the end, how do I do that?

https://www.experian.com/freeze/center.html

 

IME, Experian will not remove an old address that is tied to a TL reporting on your report.

Edited June 14, 2013 by BamaInvestor

[pingzing99]

EQ and TU were a piece of cake. EX deleted all but one address. I sent them a letter to remove and they did. I used the potential of my identity being stolen as I no longer lived at that address. BAM! It was gone.

[HERE WE GO !!!]

I got all of my old addresses deleted from Equifax and Transunion as requested. Experian deleted 1 address but would NOT delete the address that was tied to a TL.

 

Maybe you will have better luck.

[smoothbelly8]

Thanks everyone. Since I called on the phone the first time, I guess it wouldn't hurt to maybe send a letter stating the same. Sounds pretty hit or miss

[MarvBear]

It's best to call up on the phone.

 

 

I would disagree with this assessment.