Credit Report Questions

iVillage Member
Registered: 05-20-2003
Credit Report Questions
1
Sun, 10-02-2005 - 4:06pm

Why do they have my current address listed twice? Also it lists my current address and my old address as 2 different places but they are the same place because all that happened was the town changed the street numbers. Does any of this matter and should I request to change it. Also i have been here 10 years and it has an address of somewhere I lived when i was 18. Does it matter?

Also it has my last 2 employers from over 3 years ago but not my current job of which I have been there 3 years. should i request to update it?

thanks for help. i am trying to raise my score without claiming bankrupcy from a crappy 543 to at least 620 so I can move someday. i am going to start by paying the least amount owed and work my way up. most of them are chargeoffs now but I figure a paid chargeoff is better than an unpaid one. I have 10 negative accounts and 24 in good standing. Also my current mortgage i have had open since 1998 with no late payments until january of this year where they reported a 60 day and a 30 day late. Do you thin k they would remove these (if I call and ask)since I had no problems for 7 years prior and I do not plan to have any more?

one more question. Some accounts had a very low amount owed to begin with but with all the late fees the amounts due grew astronomically. Do you think the creditors will agree to settle for the original amounts owed?

thanks again!!

Avatar for cl_beckymk
iVillage Member
Registered: 03-19-2003
Sun, 10-02-2005 - 4:52pm

Since you are asking very specific questions, the Debt Question and Answer board would be a better place to post this.