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Credit Report & Scores

Address Information Does Not Impact Credit Scores

Dear Experian,

Will it help my credit score if I take my former address off my report? I currently have three addresses listed.

- LDW

Dear LDW,

Addresses have no impact on your credit worthiness or your credit scores, so removing former addresses won't help your score.

Your current and previous address information is a simply a record of where you have received mail from your lenders. It is listed in your credit report as an additional element of identification.

Address Information on Your Credit Report

Your credit report may show any address that you have used for mailing purposes or that has been listed on an account with your name on it, even if you didn't live there. This includes P.O. boxes, work addresses, or the address of someone you have a joint account with.

Addresses are reported to us by lenders and others you do business with. If you move and request a copy of your credit report, and your new address is not yet reflected, you may be asked to provide proof of that address before we will be able to release your credit report to you. We do so to help protect you from identity theft.

If you see an address you do not recognize on your credit report, contact Experian to dispute the information.

Employment Information on Your Credit Report

The employer section in your credit report is another example of identifying information on your credit report that does not impact your credit scores. The employer information you see listed is information you provided to companies you have done business with, typically during the application process.

When you provide employer information on a credit application or an application for other services, that information may be reported to Experian. The listing is not an employment history. Not all businesses report employment information to the credit reporting agencies, and you may have changed jobs more than once since last applying, so the list you see may not be complete.

Employer information, like address information, is not used when calculating your credit scores. It has no bearing on your credit worthiness. It is simply on the credit report as an added identifier based on information provided by you.

Thanks for asking,
Jennifer White, Consumer Education Specialist

This question came from a recent Periscope session we hosted.

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