The MASTER how to delete old addresses From Experian

[nysbadmk8]

I am going to share EXACTLY how I got 6 Old addresses remove from EX EVEN WITH THE OLD ADDRESSES ATTACHED TO REPORTING TRADELINES

 

1st Call- Tell the operator that your concerned about the false addresses on your report, they will then ask which ones are false... Approach this one by one, Either answer you never lived at that address, Or its associated with a family member, but NOT you.

 

They will remove everything that ISNT attached to a tradeline- When they say they cant remove an address because its currently reporting on a tradeline, ASK WHICH ONES, write them down, tell them have a great day!

 

 

2nd call- 3 WEEKS LATER- Start it off the same way, tell them you want to remove false information on your reports. Give them the address, they will retort- No we cant its reporting on so and so tradeline... Answer like this- " Yes I know, I sent them a letter telling them to update their records 3 weeks ago, Certified mail, They received it, I've waited this long for them to update"

 

If you then get anymore push back ( I did ) You tell them this- I have done everything I could to update this creditor, If they have not taken action to update the tradeline, that doesnt mean the information isnt false, and It doesnt mean you should continue reporting this false information.

 

Make your case, BE FIRM.

 

 

Thats verbatim how I did it.... Old addresses, Incorrect Name spelling, Spouse information, etc. My report ONLY reports my current address.

[almostanonymous]

Tried and true. Same way I got my last sticky address wiped away a few months ago.

[tmcgill]

Thank for the info. I co-signed utilities and a loan for an out of work family member several years ago. When they did not pay, those addresses are on my reports, even though the negative accounts have since fallen off. I would love to get those removed, and will try this.

[credithunting]

..OP have you used this method on TU & EQ also.

[mendelssohn]

..OP have you used this method on TU & EQ also.

TU and EQ will generally delete personal information no questions asked. At least that has been my experience.

 

Thanks for the information. EX has a ton of old addresses for me on file.

[nysbadmk8]

..OP have you used this method on TU & EQ also.

TU I called... they deleted everything with no issues. EQ deleted everything via online dispute. Same day.

 

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[amandal0514]

So did you actually send certified letters to the creditors?

 

I sent letters but they told me my accounts weren't in their systems any longer so they couldn't update them!

[despair808]

Not to hijack this thread, but I have had success with EX deleting an old address tied to negative TL's. At first, they said no, second call was a no, theird call was a no, and 4th call I told them that I was worried about identity theft because I hadnt lived there in 20 plus years. Address deleted immediately

Edited May 1, 2014 by despair808

[almostanonymous]

Shame their chat doesn't seem to work anymore.

[Guest]

Shame their chat doesn't seem to work anymore.

+1

 

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[nysbadmk8]

So did you actually send certified letters to the creditors?

 

I sent letters but they told me my accounts weren't in their systems any longer so they couldn't update them!

No. I didn't.

 

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[Core618]

So, I'm new here, and been lurking around for a week, finally created an account the other day.

I think I had an account on here years ago, back when I had lots of issues with bad credit.. but can't remember if it was this board or another back then.

 

Anyway, in regards to address removal, I just yesteday logged in to TU in dispute mode, and requested deletion of all old addresses by checking the box and choosing delete, they got them all but one and got back to me last night, which was actually the only one that was inaccurate. I called today and the CSR said he'd get that one removed right away once I told him it was not only inaccurate, the physical address reported did not even exist.

 

Experian, I have access to through my US Bank CC. Basically did the same thing, but, and this was before I knew I shouldn't use "never lived there' because it could trigger a fraud alert.

They replied early this morning, and when I checked, all were gone but my current address, and AFAIK, no fraud flag on my account.

 

Not tried EQ yet, and after further reading, not sure I need ot worry about it anyway.

[whipster]

Thanks OP! Good info.

[t3bbb]

What are their phone numbers EX, TU, EQ? Which options do you chose to get thru quicker? Any backdoor numbers?

[t3bbb]

This worked for me today with TU! I will try EQ and EX tonight! Great post! I love this board! So happy I found it!

[GR8WhiTE]

Good advice OP.

 

But if you have AU's on file that are linked to those addresses, do you lose the AU if the address gets deleted?

[dreamerw7]

Hi,

 

Thanks for the step by step instructions! I too had a bunch of old (and screwy addresses) so I called them, gave them the report number and walked through each address. Here is what happened: I had 16 addresses associated

 

1. For each address that either there was a no trade account associated OR an old (paid or in good standing) trade account, they deleted on the spot. 13 deleted

2. For 2 that have open collection accounts (I dispute them given they would have been paid by insurance, but I digress) they would not delete them over the phone.

3. The last 3 were correct (including my current address)

4. They also deleted an incorrect phone

 

Note: They are sending a verification via email. Also, when asked about the addresses, they would link back to the original "reporter" (i.e. a creditor, public record or collection etc...) and asked if I recognize the account (yes), but the associated address should be (and I gave them the correct one).

 

Thanks again for the help!

[t3bbb]

I have called EX about three times and they refuse to delete my old address with negative tradelines attached to them! This sucks, because I have 11 items on my EX report, more than my TU and EQ put together. I'll try them again in a couple days.

[Analysis]

So we call, remove old addresses from the EXP report, and guess what? The EXP report, hard copy and online at Experian.com/disputes, still shows the " ADDRESS IDENTIFCATION NUMBER " on it right next to each baddie.

 

So how do we know the old addresses are still sitting on our file (not our report), connected to the baddie? I think they are simply hiding the old address from our view, not really removing it. Anyone who knows the difference between a credit file and a credit report, I think, probably understands the distinction.

Has anyone successfully disputed a baddie after removing the connected address on their EXP report? Specifically, after a dispute to EXP?

[Leykis101grad]

So we call, remove old addresses from the EXP report, and guess what? The EXP report, hard copy and online at Experian.com/disputes, still shows the " ADDRESS IDENTIFCATION NUMBER " on it right next to each baddie.

 

So how do we know the old addresses are still sitting on our file (not our report), connected to the baddie? I think they are simply hiding the old address from our view, not really removing it. Anyone who knows the difference between a credit file and a credit report, I think, probably understands the distinction.

 

Has anyone successfully disputed a baddie after removing the connected address on their EXP report? Specifically, after a dispute to EXP?

 

 

Yes....I have had almost all baddies deleted after getting all old adresses off of EX. The only thing I have left on EX is my BK. I am working on the BK right now.

[Analysis]

 

So we call, remove old addresses from the EXP report, and guess what? The EXP report, hard copy and online at Experian.com/disputes, still shows the " ADDRESS IDENTIFCATION NUMBER " on it right next to each baddie.

 

So how do we know the old addresses are still sitting on our file (not our report), connected to the baddie? I think they are simply hiding the old address from our view, not really removing it. Anyone who knows the difference between a credit file and a credit report, I think, probably understands the distinction.

 

Has anyone successfully disputed a baddie after removing the connected address on their EXP report? Specifically, after a dispute to EXP?

 

 

Yes....I have had almost all baddies deleted after getting all old adresses off of EX. The only thing I have left on EX is my BK. I am working on the BK right now.

 

 

I am happy for you! How, exactly, did you dispute the items?

[Misty120]

Good advice OP.

 

But if you have AU's on file that are linked to those addresses, do you lose the AU if the address gets deleted?

I can let you know tomorrow Gr8WhiTE. I called today to get the last address removed and it was associated with an AU. After the system updates tonight, I will be able to tell you if the AU account is still there. I did it this morning before OP's thread.

[Analysis]

 

 

Good advice OP.

 

But if you have AU's on file that are linked to those addresses, do you lose the AU if the address gets deleted?

I can let you know tomorrow Gr8WhiTE. I called today to get the last address removed and it was associated with an AU. After the system updates tonight, I will be able to tell you if the AU account is still there. I did it this morning before OP's thread.

If you are looking at the Experian site itself, can you also take a look at the address identification number associated with each baddie? Let us know if it's still there?

[bemmel]

Does anyone have a good Experian telephone number to call to, at least try to get old addresses deleted?

[nysbadmk8]

 

 

So we call, remove old addresses from the EXP report, and guess what? The EXP report, hard copy and online at Experian.com/disputes, still shows the " ADDRESS IDENTIFCATION NUMBER " on it right next to each baddie.

 

So how do we know the old addresses are still sitting on our file (not our report), connected to the baddie? I think they are simply hiding the old address from our view, not really removing it. Anyone who knows the difference between a credit file and a credit report, I think, probably understands the distinction.

 

Has anyone successfully disputed a baddie after removing the connected address on their EXP report? Specifically, after a dispute to EXP?

 

 

Yes....I have had almost all baddies deleted after getting all old adresses off of EX. The only thing I have left on EX is my BK. I am working on the BK right now.

 

 

I am happy for you! How, exactly, did you dispute the items?

 

 

 

Dispute as Not yours- Without the address identifier there, the likely hood is high you'll get a deletion.