We did everything after settlement. Most of it can be done online its super easy. Do not worry about it.
I wouldn't change anything until after you close. But from now, until then, everytime you get a bill, pay it and set aside, and make a note to change the address on that item. The same with any magazines (or catalogs, if you really like them).
As soon as you close and have a date to move, you can start changing addresses and then the USPS to forward all your mail. You can complete this form online.
Thanks! It's hard for me to change everything after settlement because we're closing at the very end of the month which gives us all of two days to move and do everything. Eep. But I did start setting aside bills etc. This is going to get very interesting!
Make a list of what you need to change because that's honestly the most time consuming part. The priority is USPS, because they'll forward mail, etc. from the old address, so if you don't remember to change something, you'll get it (just delayed a little). If it's a magazine, no problem to be delayed, although if it's a bill it might be a little dicier. My bank is "smart" and accustomed to movers (USAA) so I can make one call/online change and they'll update all of my products without me needing to remember to do it. And, you can set some of this to happen in advance. So set the USPS and bank to change on 2/2/12, and if the close doesn't happen on the 1st, then go edit the change. (Just make sure you catch it in time - ask how much time you need.)
@kay01: Good point about the USPS. That's why I mailed the address change thingie already. I didn't want my bills and financial info going to someone else. There's also a mail hold option you can use in the gray area between settlement and actually settling in which I opted to do in case of weather delays etc. I've also started to request certain catalogues stop being mailed to me. I hope that cuts down on future spam to the next renter. It is pretty amazing how much stuff you can do at the last minute nowadays, though, what with the internet and all!
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Bees, in a little over 3 weeks' time, we'll be closing on our first house! While we're packing, I realize I have a whole heck of a lot of address change forms to fill out. But when do you start doing that? I mean, you know how you hear how settlements can fall through blahblahblah. Why start doing something if there's still a tiny chance everything could (in theory) fall through? When do you go ahead and say "nope, time to change the address!"? Shortly after you close? After you move in? Or days, weeks, hours before? Curious when y'all changed your addresses and to which entities you changed first. I've already submitted an address change to the utilities company and the USPS, but nothing else (yet).