How Do I Dispute an Address on My Credit Report?

One day you’re checking your credit report and you find an address that does not belong to you on your credit report. What are your options in this case and how do you dispute the address that does not belong to you so that it’s removed from your credit report? We will discuss the answer to this question in much detail below.

How Do I Dispute an Address On My Credit Report?

If there is an address on your credit report that does not belong to you, you can dispute it by filing a dispute with the credit reporting bureau displaying the inaccurate address. You can dispute an address on your credit report online, by telephone, or by mail. For example, if Experian is showing an address that does not belong to you, you can dispute it by filing a dispute with them. That said, to successfully dispute an address on your credit report, the address must not belong to you and must not belong to someone with whom you have a joint account or you’re an authorized user.

The other option to dispute an incorrect address is to contact the creditor or lender who has reported the incorrect information and ask them to remove it from your credit report. For example, if Chase is reporting an address that does not belong to you, you can contact them and ask them to remove it from your account.

That said, even if an address that does not belong to you appears on your credit report, an address will almost never impact your creditworthiness, meaning it will not lower your credit score. That said, you should have it removed to avoid any inaccurate information on your credit report.

Filing a dispute to remove an address that does not belong to you is free. This is so because the credit reporting bureaus are required by law to only report information that is complete and accurate. As such, you can file your dispute for free.

After you’ve filed a dispute, the credit reporting bureau will conduct an investigation to determine whether the information you’ve disputed is accurate or inaccurate. If the investigation reveals that the information is incorrect, it will be removed from your credit report.

After the credit reporting bureau is finished with investigating your dispute, you will be notified of the dispute results in writing by the credit reporting bureau.

If you’re not already in the habit of checking your credit report, you should periodically check your credit report and dispute any inaccurate information. Oftentimes derogatory information that does not belong to you may be added to your credit report, impacting your credit score. The only way to have it removed is to dispute it through the credit reporting bureau displaying the inaccurate information.

What Information is Contained in Your Credit Report?

Your credit report contains the following information:

  • Name
  • Address (current & previous)
  • Social Security Number
  • Credit Card and Loan Account Status
  • Your payment history
  • Account balances
  • Employment history (past & current employers)
  • Income
  • Derogatory information, such as late payments, foreclosures, bankruptcies, repossession, short sale

The credit reporting bureaus compile as much information on your financial history as possible to give lenders and creditors the most accurate representation as it relates to your finances.

The information in your credit report is used for a multitude of reasons that include: assessing your creditworthiness for credit cards and loans, insurance companies, landlords and property managers, employment, purchasing a home, and renting an apartment.

Because your credit report and credit score are used in so many aspects of your life, you should strive to maintain a good credit score and maintain a credit report with as accurate information as possible. Whether you find an account or address that does not belong to you, you should dispute any inaccurate information that appears on your credit report.

How to Dispute an Incorrect Address On Your Experian Credit Report?

Here are the steps that you should take to dispute an incorrect address that appears on your Experian Credit report:

  • Sign up for a free Experian Account here
  • Access the Experian Dispute Center
  • Click start a new dispute
  • Select the information that you want to dispute
  • Add the reason for the dispute (ex. the address on your credit report does not belong to you)
  • Review the information that you’ve filled out
  • Submit the dispute to Experian
  • Wait for Experian to investigate the dispute
  • You’ll be notified of the dispute results

Also, if you with to dispute an incorrect address, you can do so by calling Experian or disputing it via mail. The best way to dispute incorrect information and track the status of your dispute is to do so online, but the choice is for you to make.

How to Dispute an Incorrect Address On Your Transunion Credit Report?

Here are the steps that you should take to dispute an incorrect address that appears on your Transunion Credit Report:

  • Head over to the Transunion Dispute Center here
  • Click on start a dispute
  • Provide information that identifies
  • Follow the steps provided by Transunion to dispute your address
  • Submit your dispute
  • Wait a maximum of 30 days for Transunion to investigate and process your dispute
  • You will be notified by Transunion of the dispute results

How to Dispute an Incorrect Address On Your Equifax Credit Report?

Here are the steps that you should take to dispute an address that does not belong to you and appears on your Equifax Credit Report:

  • Head over to the Equifax Dispute Center here
  • Check your Equifax credit report
  • Follow the steps provided to you to file a dispute with Equifax
  • Submit your dispute to Equifax
  • Wait a maximum of 30 days for Equifax to investigate your dispute
  • You will be notified by Equifax of your dispute results

What Information Can You Dispute on Your Credit Report?

You can dispute a variety of different information that appears on your credit report. The information you can dispute includes the following information:

  • Personal information – This includes your name, date of birth, address, and social security number

  • Account information – Late payments, settled accounts, closed accounts. Any derogatory information that appears on your credit card or loans accounts can be disputed through the credit reporting bureau reporting the incorrect information

  • Information that does belong to you – If incorrect information that simply does not belong to you is being reported on your credit report, you can dispute it to have it removed from your credit file. For example, if a collection account that does not belong to you is reported on your credit file, you can dispute it to have it removed from your credit report.

  • Duplicate item – If an account or some derogatory information is being reported as two separate accounts on your credit report, you can dispute the duplicate item to have it removed from your credit report.

So, if you find an inaccurate entry on your credit report, you should immediately dispute. Approximately 20% of Americans have found errors on their credit report that were corrected by the credit reporting bureaus after the consumer disputed the item with the credit reporting bureaus. You should not leave errors on your credit report because some errors can have a negative impact on your credit score. Although an incorrect address will not lower your credit score, other errors can potentially lower it.

Old Addresses & Current Address

If you have ever pulled a copy of your credit report, you may noticed that your credit report contains both the past addresses that you’ve resided at, as well as your current address. Typically, once an address is reported to the credit reporting bureaus, it remains on your credit report.

The credit reporting bureaus pull addresses from the accounts that you have, such as credit card accounts, auto loans, mortgage accounts, and student loans. So, if you have ever used an address on such accounts, the credit reporting bureaus will have it.

If you change your address because you’ve moved, you probably changed it on your accounts, such as credit card or auto loan. After you make the change, your accounts will report the changes to the credit reporting bureaus. The bureaus keep track of your past addresses and current address.

Just because you’ve changed your address, does not mean that it will be removed from your credit report. Addresses will remain on your credit report indefinitely. Unlike negative information, which only remains on your credit report for seven years, your current and previous address will remain on your credit report forever.

If an address that does not belong to you appears on your credit report, you should dispute it with the credit reporting bureau. This is so because you may be a victim of fraud and someone may be attempting to open accounts using your person information. So, dispute it and have the bureaus remove it from your credit report.

Credit Score Planet Frequently Asked Questions

1. How do I get an address removed from my credit report?

You can get an incorrect or inaccurate address removed from your credit report by filing a dispute with the credit reporting bureau displaying the wrong address. That said, if the address on your credit report is accurate, you will not be able to remove it from your credit report.

2. Is it better to dispute my address online or through the mail?

The best way to dispute an address is to do so online. Disputing it online allows you to track the status of your dispute so that you’re always up to date.

3. Why is the wrong address on my credit report?

There are a number of reasons as to why the wrong address appears on your credit report. These include fraud or inaccurate account information.

4. Can I remove an old address from my credit report?

You can only remove an incorrect or inaccurate address from your credit report. You can remove a correct and valid address from your credit report.