Kind-of-Lost

Addresses on a credit report don’t affect your credit score — the bureaus make that clear — but they’re still worth paying attention to. I ran into this when I was reviewing my own report and noticed two addresses I didn’t recognize: one was a slight variation of a former apartment, and one was completely unfamiliar. Neither dinged my score, but one of them was flagged by a lender as a discrepancy during a credit check, which slowed things down and required some back-and-forth to resolve. Annoying. Avoidable.

Continue reading “How to Remove Addresses from Your Credit Report”

People ask me credit questions all the time, and eviction-related ones tend to come with a specific undertone: part shame, part urgency. Someone’s trying to rent an apartment, they know there’s an eviction in their past, and they’re not even sure what’s actually in their record right now. “How do I check?” is almost always the first question — and it’s a good one to answer before you walk into a landlord conversation unprepared.

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If you’ve ever pulled your credit report and seen a line that says “account information disputed by consumer,” you might be wondering whether that’s a good thing, a bad thing, or just administrative noise. The answer is mostly the latter — but there’s nuance worth understanding, especially if you’re in the middle of a dispute or planning to apply for credit soon.

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