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My journey to having credit - Great Credit here I come!


MuscleMom
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The last post in this topic was posted 3158 days ago. 

 

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I am new and starting my repair after I had an ex doing all our finances and well.... such a hole I am in.

 

I am trying to read and read and read and read. I thought I would start a log like some others to post my journey, ask questions and get some feed back from the pros here.

 

Here is my first question - what is the BEST way to get old addresses changed? I have my three reports from online but have not requested paper reports yet. Is it easier to call to get the addresses removed over the phone or is it easier to send in a letter with my ID and SSN number on paper asking for them to be removed? Please let me know which is the best.

 

Here is what my reports currently look like:

 

I have lots of old debt from 5-6 years ago. Most of it is Medical, a few credit cards, and a couple things on there from insurance company called Penn life.

 

I do not have anything positive reporting. I tried to get a Secured card through my bank but they denied a secured card and told me to actually work on my reports and come back in 3 months. So I am going to have to really find a place to get a secured card so I can get something positive reporting.

 

I will have to post other stuff on my reports later when I am home and have time.... I cant remember what all is on there at the moment. Thanks for any advise. I am trying to read and make notes on which steps to do first, second, third, etc.....

 

Thanks again

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Just call them. If you run into problems, let us know. There are different ways to dispute addresses, the best one is the one that works for you. Calling doesn't mean you can't send a letter later. Some will come off easily, some will probably be a little harder.

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