How to Change an Address on Credit Reports

Credit reports are not always accurate. Under the federal Fair Credit Reporting Act you have the right to dispute any incorrect information that appears on your credit report. The process for changing an address on your credit report involves contacting the three major credit reporting agencies. They are Equifax, Experian and TransUnion. Consumer advocates and financial advisers recommend that you review your credit report periodically to insure that it contains correct information.

Instructions

1

Write a dispute letter. Provide your complete name and address in the letter. Explain that you are disputing the address listed on your current credit report. Request that the address be removed and/or corrected. Review the sample dispute letter that is available on the Federal Trade Commission (FTC) website.

2

Include relevant documentation. Attach a copy of your current credit report. Circle the old or incorrect address. Include proof of the correct address. For example, include a copy of a current utility bill or a copy of your driver's license.

3

Make a copy of the dispute letter. Keep a copy of the dispute letter for your own records. Make sure you also keep a copy of any documents you included with your dispute letter.

4

Send the dispute letter to Equifax, Experian and TransUnion by certified mail with "return receipt requested." This will provide documentation that you mailed the letter and that the credit bureaus received it.

5

Remain patient. Equifax, Experian and TransUnion investigate all disputes. Investigations take approximately 30 days. Expect to receive a written letter stating the result of the investigation along with a copy your credit report showing the address change.