How to Get Rid of Collections Notices in the Mail
I found out there are ways that I could mislead my creditors. I decided to beat them at their own game and give creditors personal information that is different from my own so that they wouldn’t be able to locate me and communicate with me. The first step was to change the creditor’s access to my personal information, starting with my mailing address. No, I don’t have to move, I just had to make them think I moved.
I temporarily signed up with Earth Class Mail , to make it look to my creditors like I moved to California ( Earth Class Mail allows you to have an online post office box with a real street address in another state, so you can make your creditors think that you live in New York, California, or Washington!).
An hour after signing up with Earth Class Mail , I sent letters to the three major credit bureaus, telling them (the good citizen that I am!) that I had moved to a new address–just in case bill collectors wanted to contact me at my new bogus address.
Here are the addresses for the major credit bureaus…you’ll need to send a letter by mail as they won’t change your address over the phone.
Equifax |
Experian |
TransUnion |
| P.O. Box 740241 Atlanta, GA 30374 1-800-685-1111 |
P.O. Box 2002 Allen, TX 75013 1 888 397 3742 |
P.O. Box 1000 Chester, PA 19022 1-800-888-4213 |
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I think there is one important factor you left out. If you offer your new Earth Class Mail address to the Credit Bureaus and tell them that you live in Oregon, but you actually live in New York City, you’re going to mail those letters from NY state. The postmark on the letter will be in NY, but your saying you moved to Oregon??? Huh? I think you have to fly out to Oregon or ask someone out there to mail those letters to the three credit bureaus. Don’t you think? Either that or tell them the Oregon address will be your new address in the next few weeks.
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