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First of all What is todays Lending Tree mortgage 30year fixed rate? Many thanks for any answer or 2. Another question I got... I have disputed all the addresses and 2 previous names on my credit reports.I have also sent validation letters to a few CA's..

As proof of my current address I sent a copy of an insurance payment notice that had my address on it and a copy of a pay stub with the name of the company whited out. Both were listed as being acceptable proofs of address. These are my questions.....

1. Will the CRA's send me an updated credit report showing me the names and addresses have been deleted?.

2. Has anyone ever heard of a CRA refusing to delete old names and addresses if you dispute them and send proof??.

3. How soon after the address disputes should you send dispute letters to the CA to have tradelines removed, and how many can you normally get away with per dispute letter without coming off as suspicious(frivilous)???.

Thanks for your help!!!!..

asked Feb 28 at 11:05

Simon's gravatar image

Simon
46


I would like to know the answer too. Anyone here know what is the right answer. I'll do some poking around and get back to you if I got an good answer. You should email the people at Lending Tree as they probably can answer it..

answered Feb 28 at 11:12

Kason's gravatar image

Kason
127

All you have to do is call the CRAs and tell them that the addresses listed on your CRs are not your, the same goes for any name variations. they will then send you updated CRs with the addresses and names removed. it is too bad it is not this easy for the derogs...

answered Feb 28 at 11:39

Samuel's gravatar image

Samuel
1365

So are you saying they don't attempt to verfiy the previous addresses and names before they delete them???..

answered Feb 28 at 12:41

Chandler's gravatar image

Chandler
1735

My experience has been that when I had an address or name on my report that I did not want on my CR, I just called and had it removed. I do not know how they verify or if they verify, this is just how I did it...

answered Feb 28 at 14:10

Nadia
's gravatar image

Nadia
2931

CSC (Equifax affiliate) was the only one that went to the trouble of verifying. They put two random accounts in dispute. Darn if they didn't verify my old address!.

TU and Ex was just a phone call...

answered Feb 28 at 15:16

Zion's gravatar image

Zion
3116

So did you ever eventually get the verified address removed?? If not did it hinder your attempts at deleting tradelines??? If they verify the addresses and names what should my next step be??.

All my creditors have one or another of the addresses and my names that I am trying to get deleted. None have my current address. All my tradelines are chargeoffs from a year or more ago or positives from like 12 years ago...

answered Feb 28 at 15:41

Alejandra
's gravatar image

Alejandra
178

It has been simple for me. I just called them and told them I never lived at those address's, and they deleted. The problem I had was with TU I have one old address that got deleted, But as soon as the CA reported this month the old address was back on there, but now it is my cuurent address. I called them and they deleted again, but she said everytime they report it will show up again...

answered Feb 28 at 16:56

Hunter's gravatar image

Hunter
1762

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