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Thread: Disputing inaccuracies on your credit report

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    Default Disputing inaccuracies on your credit report

    So I got my free copies (except for trans union but that is another story) of my credit reports and I am disputing inaccurate addresses (online with experian) when I get this message:

    "Error

    We store address information as it is sent to us by your credit grantors or from public records. This address is historical information and will remain on file."


    I get this message for 2 of the addresses one of which I have never ever lived at (my biological father's addy) the other was my address 15 years ago.

    Why do they refuse me the opportunity to dispute this? Would I have better luck by writing a letter via snail mail? Is it even possible to have it erased? What the hell are they even talking about?

    I would very much like to have my dad's address erased from my file not only because I've never lived there but apparently he's been getting collection calls for me. (Probably sprint, those fuckahs)

    Help!


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    Senior Member Fan_Dancer's Avatar
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    Default Re: Disputing inaccuracies on your credit report

    Try asking on the forums at Those folks are uber experts on this kind of thing. You should also check out the Fair Debt Reporting link pinned at the top of this site section. You might find some answers there.

    Credit report errors are such a pain. Sorry you are having problems with it. Best of luck getting this fixed.

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    Default Re: Disputing inaccuracies on your credit report

    Thanks. I found a thread over there pertaining to this exact issue. Apparently it's a rather new feature of Experian's to be able to dispute incorrect address information online.



    Last night I disputed 8 addresses. They were either so incredibly old (one was from mid 80's!) or totally inaccurate (as in I never lived there.) This afternoon I received my update email and they're all gone. I also was able to get rid of outdated phone numbers and employers (one of which was the strip club! haha). It was so easy.

    As for them listing my dad's address, I'm just going to mail them a letter.


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    Senior Member Fan_Dancer's Avatar
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    Default Re: Disputing inaccuracies on your credit report

    Glad to be of help. Actually I should say to share help b/c that website proved very useful to me in clearing up incorrect data on my CR. I'm happy to hear that most of those old/wrong address locations have been removed. Good for you!

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    Featured Member xbloodydewdropx's Avatar
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    Default Re: Disputing inaccuracies on your credit report

    i agree with fandancer. creditboards is a great resource for any and all credit related issues...they are also very friendly over there (and helpful). good luck...i know what a pain inaccurate credit stuff can be...grr
    "Seeing the landscape at this superficial level only captures its boring uniformity, not allowing you to immerse yourself in the spirit of the place; for that you must stop at least several days."

    ~Che Guevara, "The Motorcycle Diaries"

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    Default Re: Disputing inaccuracies on your credit report

    you can also hire a lawyer to write letters on your behalf for a small amount. They basically heckle the cred agency until they just say "ok,fine" and fix it. There also are small companies that specailize in removin bad/incorrect info.

    I used these people www.smartservsolutions.com to erase a credit card opened in my name. They also can erase bankrupties & leins. They are based in NY but maybe they can help you too.
    I'm getting my Dial-A-Stripper service up and running again. If you are in NYC or NJ and are interested in private party dancing, email [email protected] with your SW handle, contact info, photo (if you have one) & best time to call and I'll get back to you asap.

    If you're having a party and need strippers, email me with the details and any questions you have. Thanks!

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    Default Re: Disputing inaccuracies on your credit report

    ^thanks but I've decided to make creditboards.com my new obsession and do it myself.


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