this is how you properly use the address removal hack let's hop right in
hey everyone it's me jazzy mac welcome back to my channel we're going to talk about the infamous
address removal hack what it is and how you ultimately do it to help improve your credit score
now before we hop into the juicy details i would love for you to give me a like and a subscribe
because this is some pretty darn good information and make sure you leave me a comment below if you
have any questions about this process or if you've done it before now when it comes to removing
addresses now i've said in previous videos that a lot of the times when you dispute something
on your credit report the reason why it instantly comes back verified is usually because it's been
auto verified by a computer based on your address so a lot of the times when you have you know
information on your credit report that matches what a collection agency has you know reported
as far as a collection goes um that information can oftentimes just you know it's outdated
sometimes it's not fully accurate so a lot of people will say is it important for me to
delete old addresses first before i do any sort of disputes so what you want to do is
make sure that the information on your credit report is 100 accurate as far as your personal
information goes um what you don't want to do is like get rid of all of your old addresses because
what would happen if you did that is ultimately the credit bureaus are going to get your
are going to get your dispute letter in the mail they're going to open it up and they're going to
look at it and they're going to try to verify your identity well if there are no addresses
listed in the system for you then they're going to send you a letter that says hey we couldn't quite
like verify your identity we can't like we can't match up in the system who you are so we're
going to need you to send you know a copy of your driver's license and you know proof of residency
and you know maybe a previous proof of like an old residency before we can move forward so you
don't want to get rid of everything but you do want to get rid of anything that's reporting as
saying that you live at you know one two three uh play street um apartment f instead of apartment g
little things like that where they messed up an apartment number um you know that's showing on
your credit report or if the collection agency is reporting that um you live on a street that has a
misspelled name you want to definitely delete that information or update it um in the system so that
they're not just automatically linking it so you can do that for specific addresses that
you know are absolutely wrong but you know for your current address i wouldn't like
try to delete my current address that's reporting in the credit bureau system because then it's
going to possibly come back to bite you so usually if there is like an incorrect address
that's been linked to some collection account and you delete that old address then they have to do
a more thorough investigation when you send in your dispute letter and they can't auto verify it
and usually like for collections if you only have that one collection on your credit report
that's how people are able to see like a hundred point increase when the collection
gets removed because now you've broken the chain between the collection agency and your
address um and the credit bureaus so when you break that chain it ultimately is like oh
we can't just auto verify it and auto match it to this person now we've got to actually do a dispute
investigation and if that investigation doesn't you know come back in that 30-day period then they
have to delete it when things get deleted from your report like collections that's what makes
your credit score go up so the different ways that you can remove old outdated information
or you know incorrect information related to your name your address your date of birth
it's three different ways that you can do it the first way is going to be the fastest way which
would just be to simply do it online now this is the only thing that i would tell you to do online
versus sending in a handwritten letter um like it's faster to do it online but it's not
like the same as your regular disputes you know it's like and it's updating information
so generally the results for that are going to come back you know same day maybe the next day
um and you know it's like i said it's just quicker now can you call the credit bureaus on the phone
to you know update this information absolutely you might have a little bit of a wait but yes you can
very well call as well um can you write a letter to the credit bureaus and say hey this is the
information that i need to be updated or there's a misspelling of my last name or perhaps your first
name isn't properly hyphenated you know things of that nature yes you can absolutely do that so
if i were going to dispute anything as far as a collection a charge off a repossession
yes i would make sure that my personal information is reporting accurately um especially making sure
that my address my current address is correct and making sure that any you know erroneous
or outdated address is you know deleted or you know if it just was an address that completely
never ever belonged to you then yeah that would be like something that you would want to fully delete
from your record um so yeah that that's pretty much it when it comes to removing old addresses
um when you're doing a dispute no it's not necessary to like freeze your credit reports
and then you know delete all of the old addresses that's just like stuff that people do that i've
never felt like was necessary so you want to be strategic and make sure that you're updating um a
specific address if it is you know out you know if it's like the number of the address or the
street name is misspelled something of that nature that's what you want to update but just going in
and sweeping all of your old addresses is you know it's going to like it's going to prolong
your dispute process so be very strategic about the addresses and you know the name updates that
you're requesting if you do this online so i do have you know all the information available in
the kids if you want to do it over the phone or if you just kind of want the direct links
they're all in the kits otherwise let me know where you are in your credit journey and how
things are going what things have you tried and until then i will see you in the next video bye
you