Wanted to update my address wow what a PITA

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MemberSince99
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Wanted to update my address wow what a PITA

Postby MemberSince99 » Mon Dec 23, 2013 9:02 am

I wanted to update my address now that the old one is gone, for obvious reasons.


I was going to pay FICO for reports then use the dispute process, but I don't really want to drop 60 dollars on FICO, I can think of better things to do with the money. Then I remembered it's been a while since I bothered with my free annual credit reports. I thought great I can do this for free!


Not so fast there guy.


I first tried to do it with EX. They will not allow me to dispute my current address online. I have to call them for "security purposes", that infamous catchall reason to justify everything which really means nothing, since doing it online you are over https meaning it's encrypted, where I have a Verizon cellphone and most of us know how secure that is these days (not at all, just ask the NSA about that).


Then because I'm still online and don't want the session to time out while I'm doing this, I move on to TU. I attempt to dispute with TU, it demands I log in. I log in, and then it grays out the dispute button, and that's that. You can't do a thing from there to get it to enable, nor can you relogin or log out, nor did I even get a message saying hey you didn't log in correctly idiot. So I'm just lost at that point and can't do a thing.


Finally we come to EQ. When I go to correct the address, then it demands I scan and send them acceptable documents proving my address to them.


At that point I said to hell with the whole thing.


I find it ironic that any creditor can and will update my address with them and not have to prove ANYTHING to do so, but I have to prove my own address.


I guess the hell with it, eventually maybe my creditors will do it for me and it will be done as they can put whatever they want in my file without proving a thing. If not, oh well, it's just not worth the effort.


Gamma
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Postby Gamma » Mon Dec 23, 2013 1:51 pm

I never update my address with the credit reporting agencies. They update themselves when I update my address with the creditors.

MemberSince99
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Postby MemberSince99 » Mon Dec 23, 2013 3:23 pm

Yeah I asked Barclays about that today. I called them because I still haven't gotten my card, and they said they sent it Friday but I can't use that box anymore and with Christmas it will probably not arrive before I run out of time. So I told them what happened and asked them to cancel the card and send a new one to my new address and expedite it (I broke down and paid for that, I should have done it in the first place but I was cheap which just never seems to pay). I asked her will you update the CRAs with my new address and she said yes and I was like good because I tried and it's just a huge hassle for me to do it.


So yeah Gamma you are right, I wanted to be proactive but it seems there are times that just isn't worth it.

thom02099
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Postby thom02099 » Tue Dec 24, 2013 10:10 am

MemberSince99 wrote:I wanted to update my address now that the old one is gone, for obvious reasons.


I was going to pay FICO for reports then use the dispute process, but I don't really want to drop 60 dollars on FICO, I can think of better things to do with the money. Then I remembered it's been a while since I bothered with my free annual credit reports. I thought great I can do this for free!


Hey...just as a sidebar, you don't have to spend $60 for FICO scores. If you google "fico discount code" there's a variety of codes that are/can be available to use to get discounts. There's also another message forum (I believe it comes up in the google search) that has a sticky thread with the latest/greatest discount codes, so you can get the scores for ~$45.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

MemberSince99
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Postby MemberSince99 » Tue Dec 24, 2013 10:36 am

That's good to know thom, thanks for letting us know that.


I still don't even really want to drop 45 dollars on FICO to be honest. But I'll look for that forum so next time I need to, I can save some money. Thanks for telling us.



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