It is important that you notify all your creditors and all companies you do business with. If you move, but neglect to notify creditors, then bills and notices may be delayed, and your payments may be late as a result. If you want to be abundantly cautious and send a notice of address change to Equifax or Experian, you may do so, even though they do not require such a notice. You do not need to be concerned with any particular “proof” of the new address.
Drivers license State ID card Bank or credit union statement Cancelled check Government-issued ID card Signed letter from homeless shelter Stamped post office box receipt Utility bills (water, gas, electric, or telephone)
Your letter can be very simple. You may say something like, “I am writing to notify you that as of July 1, 2016, I have moved to a new address. The new address is _____. I am enclosing a copy of my new driver’s license and a utility bill that show this new address. ” Send correspondence for TransUnion to TransUnion, LLC, Consumer Disclosure Center, P. O. Box 1000, Chester, PA 19016. Send correspondence for Equifax to Equifax Information Services, LLC, P. O. Box 740256, Atlanta, GA 30374. Send correspondence for Experian to Experian, P. O. Box 2002, Allen, TX 75013.
For example, if your correct address is 123 Main Street, but it appears on your credit report as “124 Main Street,” you should treat this as disputing an error.
You can make online corrections at http://www. experian. com/disputes/how-to-dispute. html. You will see a link to “Start a New Dispute Online,” and then follow the steps from there to report the correct address. You can notify Experian by mail of any disputed information by writing to Experian’s National Consumer Assistance Center, P. O. Box 4500, Allen, TX 75013. In your letter, include a clear statement that your address on your credit report is incorrect. Provide the information that currently appears, and then state what you believe the correct information should show. If you have supporting documentation, like a utility bill or driver’s license, you should include copies.
To report corrections online, begin at the Equifax Online Dispute page at https://www. equifax. com/personal/credit-report-services/credit-dispute/. To report incorrect information by mail, you may write to Equifax Information Services, LLC, P. O. Box 740256, Atlanta, GA 30374.
To report online, visit the screen to dispute an error online, at https://dispute. transunion. com/dp/dispute/landingPage. jsp. This screen will prompt you for a userid and password. If you have not used this system before, you will need to create an account. After that, you will be able to enter the details of your dispute. Tell them about the incorrect address, and then provide the new information. You can use the same account to check on the status of your dispute later on. To report an incorrect address by mail, for TransUnion you will treat it just the same as an address change. Send a letter requesting the correction, along with two forms of proof, such as an ID or utility bill, to to TransUnion, LLC, Consumer Disclosure Center, P. O. Box 1000, Chester, PA 19016.
You can contact TransUnion at 800-680-7289. You can contact Experian at 888-397-3742. You can contact Equifax at 888-766-0008.
An initial fraud alert does not have any effect on your credit score. Creditors may not, by law, refuse to lend to you because you have reported an initial fraud alert. There is no charge to you for placing a fraud alert on your account.
