What address appears on credit report?

Summary of the Article: What Address Appears on Credit Report?

1. The mailing address for Equifax is P.O. Box 740241, Atlanta, GA 30374-0241. The address for Experian is P.O. Box 2104, Allen, TX 75013-0949. The address for TransUnion is P.O. Box 1000, Chester, PA 19022.

2. Your credit report may include addresses unrelated to your residential address, such as temporary mailing addresses, work addresses, and P.O. boxes.

3. Credit checks are done on people, not addresses. Your address is used to help confirm your identity.

4. You don’t always need to remove or contest outdated addresses on your credit report, but be cautious if you see an unfamiliar address.

5. Experian’s mailing address is P.O. Box 4500, Allen, TX 75013, and you can also submit documents online at experian.com/upload.

6. Equifax can be contacted through AnnualCreditReport.com or by mail at P.O. Box 105281, Atlanta, GA 30348-5281.

7. You can only remove old addresses from your credit report if the information listed is incorrect. File a dispute with the credit bureaus to have it removed.

8. Address links on your credit file will remain indefinitely if they are correct. Apply to have them removed if they are incorrect.

9. Credit reports generally contain addresses you’ve used for mail or that have been listed on a credit account with your name.

10. Removing addresses from your credit report won’t impact your credit score, but incorrect information can be a sign of identity theft.

11. As long as you have open credit accounts, there is no need to notify Experian of your address change. Update your address with your creditors, and they will update your account history, which will be reported to Experian.

15 Questions:

1. What address does the credit bureau use?
The mailing address for Equifax is P.O. Box 740241, Atlanta, GA 30374-0241. The address for Experian is P.O. Box 2104, Allen, TX 75013-0949. The address for TransUnion is P.O. Box 1000, Chester, PA 19022.

2. Why is there a different address on my credit report?
Your creditors may report any address where you have received mail, and any address associated with an account that has your name on it. This means that it’s normal for your credit report to include addresses unrelated to your residential address, like temporary mailing addresses, work addresses, and P.O. boxes.

3. Does your address show up on a credit check?
No – credit checks are done on people, not addresses. Your address is simply used alongside other information to help confirm your identity. You can be linked to other people on your credit report if you share finances with them, such as a joint mortgage.

4. Should you delete old addresses from credit report?
Because they are outdated, you don’t always need to remove or contest them. But as we said before, if you see an address you’re not familiar with, you should be cautious as it could be a sign of fraud or potential identity theft.

5. What address does Experian use?
You can mail it to Experian’s National Consumer Assistance Center at P.O. Box 4500, Allen, TX 75013, or upload your document at experian.com/upload to submit it online.

6. What address does Equifax have for me?
AnnualCreditReport.com
By calling: (877) 322-8228; By mailing: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

7. How do I remove another address from my credit report?
You cannot remove old addresses from your credit report unless the information listed is incorrect. If the address is incorrect, you can file a dispute with the three major credit bureaus to have it removed.

8. How long does an address stay on your credit report?
Address links are simply a historical record of when a lender has reported a change of address to Credit Reference Agencies. Unlike payment history, they will remain on your credit file indefinitely if they are correct. If not, you can apply to have them removed.

9. Does a credit report list all addresses?
But keep in mind that it’s possible no single credit report will list all of your previous addresses. Credit reports generally contain addresses you’ve used for mail or that have been listed on a credit account with your name on it.

10. What does removing old address from credit report do?
Removing addresses from the credit report won’t impact your credit score. But incorrect identifying information can be a sign that someone else’s file has been mixed up with yours. Or, more seriously, incorrect information can be a red flag of identity theft. Keep in mind that the addresses themselves aren’t a problem.

11. How did Experian get my new address?
As long as you have open credit accounts, you don’t need to notify Experian that your address has changed. You should provide your new address to each of your creditors, which will in turn update the address on your accounts. The new address will be reported to Experian when the lenders update your account history.