Will an old address on my credit report hurt my credit score?

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Why Old Addresses Show Up on Your Credit Report

One section of your credit report lists both your current and previous addresses. Credit bureaus receive updates about your address from creditors and other businesses that report your account information. Each time you notify your creditors of an address change, creditors report the new address along with your other credit report information to the credit bureaus.

What does this mean for your credit score?

Fortunately, the addresses on your credit report won't affect your credit score. Even old addresses and addresses where you never resided affect your credit score because they're not even included in the credit scoring calculation. Your credit score is based on five main categories of information: payment history, amount of debt, length of credit history, types of accounts, and recent applications for credit.

When You Should Be Concerned About Old Addresses

As long as the addresses on your credit report are accurate, you don't have much to worry about. However, if you spot the wrong address on your credit report, i.e. an address where you never lived, it could be a sign of fraud or identity theft. Review the rest of your credit report to make sure there are no accounts that don't belong to you.

You're entitled to an accurate credit report and can dispute inaccurate addresses with the credit bureau to have them removed.

It's also a good idea to read through every entry on your credit report to be sure they're all accounts that you opened, particularly if you spot inaccurate addresses on your credit report.

Review the inquiries on your credit report and contact the credit bureau if there are inquiries from companies you don't recognize.

Note that odd addresses can end up on your credit report if you share an account with someone who's moved around.

Could Moving Alot Get You Denied?

Lenders could use the addresses on your credit report to make a lending decision about you. For example, a lender may check your credit report and interpret several different addresses as instability.