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Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.
Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.
Topics addressed on November 9, 2011:
Creditors might be able to use a credit report to locate you
Can creditors find you through a credit check?
Experian lists all addresses reported as belonging to you.
If you move to a new address and notify your existing creditors so they can send your payment notice to you, the new address will appear in your credit report. If you apply for new credit after moving, the address you provide will be reported by the new lender.
Any creditor who accesses your report will be able to see all of the addresses reported to Experian. So, if a lender has lost contact with you but would like to get in touch, they might be able to reconnect with you using the address list provided in your credit history.
While there is no reason to believe it is a factor in your question, we are often asked this question by people who would rather not have creditors locating them to collect unpaid debt.
While we cannot give legal advice, falsifying information including your address in order to avoid collection efforts for debts you owe might be considered a form of fraud. Anyone considering such an action should consider seeking qualified legal advice before doing so.
Thanks for asking.
- The "Ask Experian" team