Do You Know: How to Remove an Incorrect Address From Your Credit Report

Jan 03, 2023 By Susan Kelly


Your credit report contains important information about your financial history, including addresses where you have lived. Lenders use this address data to help them verify your identity and confirm that you are who you claim to be when applying for a loan or other type of financing. Unfortunately, sometimes this data can contain errors, such as incorrect or outdated addresses. If this happens, it’s important to remove the incorrect address from your credit report as soon as possible.

How to Remove an Incorrect Address From Your Credit Report?

To protect yourself from potential damage caused by inaccurate records, you should ensure that all addresses associated with you are correct and up-to-date. Doing so will not only keep your credit report accurate, but it will also help to protect you from identity theft. The first step in removing an incorrect address from your credit report is to contact the credit bureau responsible for issuing it. You should provide them with all the necessary information and proof that the address is inaccurate, such as a copy of a government-issued ID or utility bill.

Once this has been done, they will typically investigate further and update the relevant records accordingly. This process can take several weeks or even months, depending on how extensively the credit bureau has checked your details. If you cannot resolve matters directly with the agency, you may need to contact a specialist who deals with correcting inaccurate records on individuals’ credit reports. These services are often offered as part of a credit repair package, but you must be aware that they may require you to pay a fee to remove the address.

1. Contact the Creditor or Collection Agency

If you believe your credit report contains an incorrect address due to a mistake on behalf of a creditor or collection agency, the first step is to contact them directly. Explain your situation and ask them to correct the error on their end. In some cases, they may be able to do this quickly and easily — primarily if you can provide proof of your current address.

2. Dispute with Credit Bureaus

If a creditor or collection agency doesn’t help, you can dispute the incorrect address with each of the three major credit bureaus: Experian, Equifax, and TransUnion. To do this, contact each bureau by phone or online and explain what happened. They will then investigate your claim and remove any incorrect information from your report if necessary.

3. Provide Proof of Address

When disputing an incorrect address with the credit bureaus, you may need to provide additional proof of your current address. This could include a recent utility bill or bank statement with your name and address. The credit bureau can then use this information to verify that the address in question is inaccurate.

4. Follow Up

Once you’ve completed the steps above, following up regularly is essential to ensure the incorrect address has been removed from your report. You should contact each of the three major bureaus every few weeks until you receive confirmation that it has been taken care of.

Why Remove an Incorrect Address From Your Credit Report?

An incorrect address on your credit report can be detrimental to your financial well-being. Not only can it make it difficult for creditors and lenders to reach you, but it could also lead to inaccurate reports of your current debt situation. This could impact future requests for loans or other types of financing. In addition, you are having the wrong address listed may cause problems with identity theft due to an increase in the risk that personal information is more easily accessible by those who shouldn’t have access to it.

An incorrect address on your credit report can have a negative impact on your credit score. Removing the wrong address can help you improve your financial well-being, as it increases the accuracy of your information and decreases the risk of identity theft. Additionally, having accurate information makes accessing other services such as loans, mortgages, and insurance easier since lenders trust verified details more than unverified ones. Finally, removing an incorrect address from your credit report helps protect your data and ensures that creditors use only valid and verified information. All in all, correcting an incorrect address on your credit report is beneficial on multiple fronts.


Removing an incorrect address from your credit report can be time-consuming, but it’s essential to ensure that your credit report is accurate and up to date. Following the steps outlined above, you can ensure that any incorrect addresses are removed quickly and easily. This will help protect your financial health in the long run and give lenders greater confidence in your identity when you apply for financing. Good luck!

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