If you have moved recently or your credit report is showing an incorrect address, you’ll need to take action to correct the error. An incorrect address on your credit report can lead to a lower credit score and make it harder to get approved for loans and lines of credit.
Here’s how to change your address on your credit report:
1. Contact the credit reporting agency.
You’ll need to contact the credit reporting agency showing the incorrect address. You can find their contact information on your credit report or their website. Once you get in touch with them, let them know that there is an error on your account and request that they update your address information.
2. Send proof of your new address.
The credit reporting agency will require you to send documentation proving your new address. This could include a copy of your lease agreement, utility bill, or other correspondence for your new address. Once the credit reporting agency has verified your new address, they will update your information on file.
3. Monitor your credit report.
After updating your address with the credit reporting agency, keep an eye on your credit report to ensure the change is reflected. If you see that the incorrect address is still being reported, you’ll need to contact the credit reporting agency to request that they update your information.
Monitoring your credit report regularly is a good idea, even if you don’t think there are any errors. This way, you can catch mistakes early and take action to correct them. You can get a free copy of your credit report from each of the major credit reporting agencies once per year at AnnualCreditReport.com. You can also check your credit score for free on Credit.com to get an idea of where you stand.
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