Jump to content

Is it possible to successfully dispute with old addresses on Experian?


Recommended Posts

Hi Everyone, I have been at war with the big 3 for a few months now. I have had success with equifax and Transunion removing old addresses. However Experian just will not budge. Ive tried letters and calling and have gotten no where. My question is: Is it possible to dispute baddies off Equifax and Transunion, and once they remove items, to send some sort of follow suit letters to experian to get them to comply if the other two did? This is all hypothetical of course. I have not started disputing yet. Any advice would be greatly appreciated. 

Link to post
Share on other sites

Rookie question - if my credit report has no baddies (currently there are 3 that are all leaving my CR by this time next year) is there any advantage to disputing/removing old addresses?  An apartment I moved out of 24 years ago is on there, a home we sold in 2014 is on there, and even a business I owned and closed in 2004 is on there.

Link to post
Share on other sites
6 hours ago, A Credit Ed said:

Rookie question - if my credit report has no baddies (currently there are 3 that are all leaving my CR by this time next year) is there any advantage to disputing/removing old addresses?  An apartment I moved out of 24 years ago is on there, a home we sold in 2014 is on there, and even a business I owned and closed in 2004 is on there.

not really unless is attenuates one's OCD.

Link to post
Share on other sites

To answer the initial question...yes it is absolutely possible to successfully dispute even with old (yet correct) addresses.  The key is to have a legitimate basis upon which the dispute has been founded and to NOT use generic cut-and-paste verbiage in the written dispute to the entities in question.

 

As to the more recent question, Hege nails it with the *meh* factor.  I actually get more perturbed by EXP still showing a comment about a dispute resolution from fourteen years ago.  

Link to post
Share on other sites
On 6/24/2021 at 8:23 AM, centex said:

To answer the initial question...yes it is absolutely possible to successfully dispute even with old (yet correct) addresses.  The key is to have a legitimate basis upon which the dispute has been founded and to NOT use generic cut-and-paste verbiage in the written dispute to the entities in question.

 

As to the more recent question, Hege nails it with the *meh* factor.  I actually get more perturbed by EXP still showing a comment about a dispute resolution from fourteen years ago.  

Thank you for answering my question, I will proceed and hope to dispute with much success with addresses in take. THANK YOU!!!

Link to post
Share on other sites
4 hours ago, CandiedCredit said:

Thank you for responding, however that is the tactic I was using, no luck with it 

 

Don't be afraid to try again and again until you get a helpful rep.  You are looking for someone who is willing to bend the rules, and that can be a challenge.

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Similar Content

    • By Missash43
      I missed a payment for a federal student loan and about a week and a half ago, it hit 7 years. Isn't it supposed to just fall off? When will that actually happen? Do I have to do something to make it fall off?
       
      Thanks for your help!
       
    • By CandiedCredit
      Hi everyone, I am a bit confused about a letter I have received from Wells Fargo. It is an old auto loan that was charged off in 2018 (repo).  I have only removed addresses and frozen lexisnexis,innovis, etc at this point. I received a letter from WF stating that due to the age of my account they are cancelling the balance, and will no longer attempt to collect. This seems strange to me that they would voluntarily cancel a debt before I've disputed anything. What should I do if anything regarding this letter. I'm hoping the credit Gods are just dropping a blessing down on me  
    • By silentjc
      Finally posting on this forum after gawking for a while. 🙂
       
      I've been working on my credit repair the last couple of years and am kind of at that point where I'm not sure if there is anything else I can do but wait it out.
       
      Had a medical issue back in 2016 / 17 which contributed to somewhere around 12 account charge-offs and a car repossession. Over the past year and a half, I've been aggressively paying the accounts off (all are at zero balance, settled), disputed as many as I could (several fell off, am doing another round this month), opened five rebuilder / secured / sub prime cards starting two years ago (Citi Secured, Self Secured, Cap 1 Secured, Cap 1 Unsecured, Credit One Unsecured), did the Self Lending self loan (like 6 months left on that one), Experian Boost, have had a high interest car loan the last two years, am about to replace it with a newer car loan at a lower rate, and obviously keep cards paid off every month and paid on time (*accidentally had a 30 day late when I was changing banks and forgot to update the account that was on autopay). 
       
      Looks like stuff starts aging off in 2023 and 2025. Scores went from the low 500s to 696 Trans, 712 Equifax, 625 Experian.
       
      The problem I'm having is that even with everything settled, zero balances, and "good" scores," I'm still in purgatory when it comes to getting an actual decent points card. Capital One gave me an unsecured one a few months ago, but it's a $300 limit on a non rewards card. And since I already have two cards with them (one which is my oldest card now), even though their my "best bet" in the nearterm for a better card, i'm at their card limit. 
       
      Goal Cards in the future are Chase Sapphire, AMEX Blue, AMEX Gold, and Citi Premier. 
       
      Current plan is to just keep sending dispute rounds every few months, keep balances at zero, not apply for anything new at least until early 2022. 
       
      Is there anything I'm missing? Anything I can do sooner to help compensate for the scars from the past on my credit report?
    • By NewlySeperate
      I’m newly separated and I’m trying to re-establish my credit and financial independence.  There are 4 collections on my credit report that my husband was responsible for when we were together in 2020.  We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. 
       
      I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted?  My score is in the 500 range right now. I don’t have much credit but want to repair and build.
    • By BigSpenderBigSaver
      Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?
       
      I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not be subject to an F/R.
       
      FICO scores as follows:
      EX 713
      TU 717
      EQ 701
       
      I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I not looking to apply for the AMEX Gold for a few months (depending on your feedback).
       
      Thanks!
       
       
      Sent from my iPhone using Tapatalk



  • Member Statistics

    • Total Members
      182,469
    • Most Online
      2,046

    Newest Member
    Rongotti55
    Joined
×
×
  • Create New...

Important Information

Guidelines