john_doe_wny Posted April 9, 2007 Report Share Posted April 9, 2007 When I request a free CR it requires my current adress. Will my current adress show up on the report for CA's to see where I live now? I don't want the CA's to see my current adress and send me a summons. Thanks for reading. Link to comment Share on other sites More sharing options...
Ahntara Posted April 9, 2007 Report Share Posted April 9, 2007 It requires your current address because the CRA's want to update your file. They also use the data you submit to match with the data they have on hand.Send your request using an address they have on file. Be aware that you may have to submit identification, like a photo ID and proof of residency (lease, mortgage or public utility bill). Link to comment Share on other sites More sharing options...
john_doe_wny Posted April 9, 2007 Author Report Share Posted April 9, 2007 Hi, Thanks for the reply. I will be useing an address that's on the CR now but there are other addresses also. Won't the address I use show as my "updated" address now? Then won't the CA's have the "updated" address for a summons. Thanks again Link to comment Share on other sites More sharing options...
lyle7289 Posted April 9, 2007 Report Share Posted April 9, 2007 If you want a CR you will need to give an address and other key information. This is for your safety and to make sure it is you. If you give your address, they WILL update your report and it WILL be visible for a CA to see your address when they do a soft pull of your report. Remember this, because a CA does not have an address on you and they send letters to your "old" address causes all kinds of problems for you. The CA can insert collection accounts on your reports, etc. because your are "un reachable". When they send these collection notices (to your old address) and there is no response in the required 30 days, you default, therefore giving them the right to insert the negative on your report. You DO have rights as a debtor Link to comment Share on other sites More sharing options...
john_doe_wny Posted April 9, 2007 Author Report Share Posted April 9, 2007 Thanks for the reply lyle. I'm just in a darned if I do darned if I don't place now. If I want a CR I give information that leads them to me and a possible summons. But if I don't get a CR I have no way of knowing what's on my CR, how long untill anything is out of SOL, ect. I want to work on my CR I just don't want a summons without being able to work something out with a CA for a possible PFD. So if I want my CR my only option is to just get my CR and take that chance of a summons? Thanks again. Link to comment Share on other sites More sharing options...
lyle7289 Posted April 9, 2007 Report Share Posted April 9, 2007 IS the would be summons for a CA or an OC. There is a lot of good information here on various OC's and CA's. If you read up on the company you are affraid of, you might find that it might be worth the "risk" of pulling your reports. Link to comment Share on other sites More sharing options...
chilton1 Posted April 9, 2007 Report Share Posted April 9, 2007 You are in NY so SOL is 6 years from the date of last activity. Link to comment Share on other sites More sharing options...
john_doe_wny Posted April 9, 2007 Author Report Share Posted April 9, 2007 Hi, The summons that I would not want would be from hospital/medical bills not paid by the ins. company back in spring/summer of 2005. The bills are mine and I'm sure there in collections by now. I haven't recieved anything on them from a CA and I don't want to get my CR just to give my current address to a CA. I really want to thank everyone who helped me. Link to comment Share on other sites More sharing options...
buckeyechick1219 Posted April 9, 2007 Report Share Posted April 9, 2007 I actually had old medical bills that the hospital never sent to collections. They were literally from 2004 and the hospital was still trying to collect it themselves. On the otherhand, I had medical bills from having my daughter in September that were in collections before the hospital even determined the amount that I was responsible for.I think it just depends on the hospital. It would be best for you to pull your CRs just to see what's on there. Link to comment Share on other sites More sharing options...
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