Anonymous Posted April 18, 2003 Report Share Posted April 18, 2003 :blush: I was told by a person who works for a credit company that being a college student could have hurt my credit. She said that college kids move around a lot & the different addresses show as negative. I recently tried to get an apartment & was declined by one point. How can I have some addresses removed from my credit? I noticed a few on there that I never actually lived at, I just had some things mailed there so that I wouldn't have to wait until I went home on the weekends from school. [Edit by mismm7 on Friday, April 18, 2003 @ 12:44 PM] Link to comment Share on other sites More sharing options...
kb9tbq Posted April 18, 2003 Report Share Posted April 18, 2003 All you have to do is call the CRA and ask them to remove the bad ones. Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted April 19, 2003 Report Share Posted April 19, 2003 Here is a suggestion...Before getting my house, I often moved from apartment to apartment. It was a big hassle getting my mail forwarded and credits ALWAYS asked how long have I lived at my current address and previous address.I then got a private mailbox.I am now guaranteed that I always get my mail sent to the same address regardless of where I live. And I use that as my residence and it only costs me eleven bucks a month. You cannot beat that especially with all the benefits that come along with it.I simply use the box number and every place assumes that it must be an apartment. Now all my creditors and the CRAs thing my private mailbox is my residence and it has tremendously helped in my credit application.I also got a few other previous addresses removed from my credit report so that I could claim in my applications for credit that I have lived there for a longer period of time.And it has worked out great.I even fooled the mortgage company who thought I lived at my private mailbox. And guess what?It is also my address on my driver's license!!!And I don't mind telling a cop that every night at midnight, I get really small, like two inches tall and spend every night in my little mailbox. Link to comment Share on other sites More sharing options...
kb9tbq Posted April 19, 2003 Report Share Posted April 19, 2003 Last year I had trouble with DH & kids getting into the mail & messing me up on paying bills. So I switched to having a mail box; well that was a blessing; in my case we have had the PO Box better than 6 months - still seeing mail coming through. Will be buying a home soon & want to take care of all of these before we leave this house.If you are moving around a lot; you are better off with PO Box; so you don't have to worry about what is left behind - for strangers to use against you to open fraudulant credit card accounts and the such. Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted April 20, 2003 Report Share Posted April 20, 2003 The reason I like a private mailbox is that you don't have to deal with the red tape of the post office. And you can receive FEDEX, UPS, or any other kind of deliveries. Get faxes, etc.But my biggest bonus has been passing of the box number as a residence.That has been my biggest bonus.Especially in the past when I did more contract work and independent consulting and certain business transactions (then I passed off my box number as an office number). That allowed me to keep business life TOTALLY separate from my personal life. Some folks are fine that their business contacts know their home address. When dealing with corporate environments, I always expected professional behavior, but when dealing with small businesses, many have poor ettiquete and lack of professionalism. Either way, a PO box or a private mailbox is a great way to ensure you always get your mail and show stability for your addresses. Link to comment Share on other sites More sharing options...
f8tlbyte Posted April 20, 2003 Report Share Posted April 20, 2003 That is a great idea!! I think I am going to go get one tomorrow. I was in the military and experian shows that I have had 3 pages (almost 75) of addresses. Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted April 20, 2003 Report Share Posted April 20, 2003 75 addresses!!!Definitely get those addresses eliminated from your credit report. And if any bad credit is based on one of those addresses, definitely get that address removed and then you can state that it wasn't you.That is what I am doing with my tax lien. It is a public record with an address that the CRAs don't have and my dispute is that "I never lived there". Link to comment Share on other sites More sharing options...
Anonymous Posted April 21, 2003 Author Report Share Posted April 21, 2003 What is the CRA & how do I contact them? Link to comment Share on other sites More sharing options...
kb9tbq Posted April 22, 2003 Report Share Posted April 22, 2003 ExperianPO Box 2002Allen TX 75013www.experian.comTransUnionPO Box 1000Chester PA 19022www.transunion.comEquifaxCan find address through their site to write them.www.equifax.com [Edit by kb9tbq on Monday, April 21, 2003 @ 07:04 PM] Link to comment Share on other sites More sharing options...
cookiemnster Posted April 22, 2003 Report Share Posted April 22, 2003 <blockquote>Originally posted by Ravenous Wolf75 addresses!!!</blockquote>I spent more than an hour on the phone with an EXP rep getting rid of old, extraneous, and incorrect addresses. My personal information section was longer than my credit section.I blamed it all on my ex-husband Link to comment Share on other sites More sharing options...
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