How Do I Update My Address on Experian?

Log into your Experian credit report to see the address they currently have on file.

1. Visit free annual credit report and select Experian.
2. Create a MyExperian account or sign in with your existing credentials.
3. In the Experian credit report, scroll to the 'Personal Information' section.
4. Locate the line labeled 'Current address' - this is the address Experian has for you.
5. If the address looks outdated, note it before proceeding to the next section on updating your address online.

Log into your Experian MyAccount, select the personal information section, and edit the current address. The online tool updates the address on your Experian credit report within one business day.

• Visit Experian address update portal and sign in with your credentials.
• Click Personal Information → Address.
• Enter the new street, city, state, and ZIP code exactly as it appears on a valid proof document.
• Upload one of the five accepted proofs (utility bill, bank statement, lease, government ID, or mortgage statement).
• Confirm the changes and submit; you'll receive an on‑screen confirmation and an email receipt.

After the submission, return to your free annual credit report to verify the new address appears correctly before proceeding to gather additional documents or dispute any lingering errors.

Experian will accept any of the following five documents as proof of your current address:

• Recent utility bill (electric, gas, water, cable or internet) that shows your name and address
• Bank or credit‑card statement dated within the last 60 days, displaying the same address
• Government‑issued photo ID that includes the address (driver's license, state ID or passport)
• Signed lease agreement or mortgage statement that lists the residence
• Official government correspondence such as a tax bill, voter‑registration card, or Social Security statement

Dispute a wrong address on your Experian credit report by filing an online dispute and attaching proof of your correct address.

1. Get the report - Open your free annual credit report, find the inaccurate address line, and note the account numbers linked to it.
2. Access the dispute tool - Sign in at Experian's online dispute portal (typically available online) or call the toll‑free number listed on the report.
3. Select the error - Click the address entry, choose 'Dispute,' and mark the reason as 'Incorrect address.'
4. Attach proof - Upload one of the five documents Experian accepts for address verification (utility bill, bank statement, government ID, insurance statement, or mortgage statement) that clearly shows your current address.
5. Submit and wait - Experian must investigate within 30 days and will email the outcome; the status appears in your online account.
6. Confirm the correction - Review the updated report; if the address is still wrong, add a brief consumer statement or re‑file the dispute with additional documentation.

After the dispute resolves, you can proceed to 'update your address directly with creditors and lenders' to keep all three credit bureaus aligned. Dispute a credit report error with Experian

Notify every creditor and lender of your current address directly. Use the online portal most banks provide, call the customer‑service line, or mail a signed change‑of‑address letter that includes your account number and the Experian credit report reference. Update credit cards, auto loans, mortgages, student loans, and any service that furnishes data to the three credit bureaus; the faster they receive the update, the sooner they'll report it.

After you've sent the updates, allow 30 - 45 days for each lender to forward the new address to Experian, Equifax, and TransUnion. Then pull your free annual credit report to confirm the change appears on all three reports. If the current address still shows incorrectly, you'll be ready to dispute the entry in the next section.

Experian typically reflects a new address within 7 - 10 business days after you use the online address‑change tool, but the credit bureaus permit up to 30 days for the furnisher's information to flow into the Experian credit report, so check your free annual credit report before moving on to the verification and monitoring steps.

Check that Experian now shows your current address and then confirm the same update appears on the Equifax and TransUnion reports. Log into your Experian account, open the credit report, and locate the 'Personal Information' section; the new address should be listed there. Next, obtain a free annual credit report from each of the other bureaus (usually via AnnualCreditReport.com) and scan the 'Address' field for consistency. Finally, set up credit‑monitoring alerts so you're notified of any future changes.

• Log into Experian, view the 'Personal Information' tab, and verify the updated address.
• Visit Free annual credit report site and request reports from Equifax and TransUnion; compare the address line on each.
• Use Experian's 'Credit Alerts' feature or a third‑party monitoring service to receive email or text notifications of any address changes.
• Keep an eye on all three reports for at least 30 days; discrepancies indicate a need for a dispute or contact with the creditor.

If Experian still shows the old address after you submitted proof, contact the data furnishers - your creditors, lenders, or any entity that reported the address - to force a correction. First, pull your free annual credit report, locate the 'Account Information' section, and note the name, account number, and reporting phone number for each furnisher that lists the wrong address.

Call or send a secure message to each furnisher, attach a clear copy of one of the accepted documents (utility bill, lease, etc.), and state: 'Please update my current address on my account and resend the corrected data to Experian, Equifax, and TransUnion.' Follow the furnisher's specific dispute form if they require it, and keep a dated record of every communication, including the reference number they provide.

After the furnisher confirms the update, re‑check your Experian credit report within 30 days; if the address remains unchanged, move on to the next step - flagging potential identity theft. For detailed guidance on reporting to furnishers, see the Consumer Financial Protection Bureau guide.

An unknown address on your Experian credit report signals possible identity theft; you must treat it as fraud and initiate a formal dispute right away. First, confirm you've accessed your free annual credit report and noted the discrepancy, then contact Experian's fraud center to place a fraud alert and request a full investigation.

Typical scenarios include a utility company showing a different city, a lender listing an out‑of‑state address, or a credit card issuer displaying a PO Box you never used. In each case, call the Experian fraud line, provide your current address, supply a copy of government ID, and ask for a fraud alert and a credit freeze if needed.

Experian will mark the entry as disputed, notify the creditor, and update the record after verification. This protects your credit while the investigation runs, and you can later monitor the same address across Equifax and TransUnion to ensure the issue is resolved everywhere.

Group or employer‑provided life insurance typically skips the Experian credit score altogether, because the underwriting formula relies on age, basic health metrics and the fact that the plan is offered to all eligible employees, not on individual credit history; most states even exempt group policies from credit‑based checks, so a 620 Experian score won't raise your premium or cause a denial under a corporate plan,

as illustrated by an employee who kept a $50,000 guaranteed‑issue policy despite a poor credit record, and only when he left the job and applied for an individual policy did his Experian score re‑enter the pricing equation, a transition discussed further in the next section on 'when you should apply to avoid Experian hurting rates.' National Association of Insurance Commissioners explains group life underwriting

Legitimate past addresses stay on your Experian credit report; you can only remove an entry if it is inaccurate, incomplete, or cannot be verified. File a dispute through Experian's online portal, attach proof that the address is wrong (for example, a utility bill showing a different residence), and let the bureau investigate. If the investigation confirms the error, the incorrect address disappears; accurate prior addresses are not deleted on privacy grounds.

When the address is correct but you still want it less visible, consider a security freeze or a fraud alert, which limits who can see your file. Apply the same request separately with Equifax and TransUnion, because updates do not cascade between bureaus. Afterward, verify the change in each free annual credit report before moving on to the next step.