3- Call each of the CRA's ( get an INDIVIDUAL credit report from each, snail mail) Tell them that the address information on your reports is incorrect, that you never lived at ----- give them the address of any and all of your Ill. addresses.

4- Wait 3 weeks, check on line to make sure your old addresses were deleted.

5- Dispute on line as "not mine" any and all of your old accounts, judgments etc.

6- Whatever is left over on your reports, redispute by mail, stating, "This is not my account, I never had an account for this amount with this creditor on this date" If any of the "leftovers" are also duplicates, state that also.

You should have a clear report in 3 Months.

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