There are a few of reasons I've been slow to act on this:
- The impact of the change is minimal. Other than the postal code, all the information in my report is accurate. Not only that, but the report was successfully (and promptly) delivered to my home address in spite of the incorrect postal code, so this is really having very little effect on me.
- The mechanism for making the change is unclear. The last page of the report is a "Consumer Credit Report Update Form", but the layout of this form seems more geared toward disputing incorrect items (such as judgments, invalid trade lines, etc.) in your report than updating personal information.
- Credit bureaus have a reputation for being difficult to work with. I really don't know how much resistance I'll encounter when I make the request, and this uncertainty is making me procrastinate.
This afternoon, I faxed the update form to Equifax, along with copies of two credit statements with my current address, and a photocopy of my driver's licence and credit card. We'll see how smoothly the process goes from here.
This is a small, small, small victory, but it's an item that I can finally cross off my to-do list.
Welcome to KTU: productivity, the Loonies And Sense way!