the second one: one-hundred-and-thirty-five it is not as formal, but you will also hear people say "one thirty-five" but "one three five" is very bad english

If you're interested in British English then definitely don't drop the 'and' when reading numbers. That would be out of place in the UK, no one does it. I'm surprised everyone has said they would say 'one hundred and thirty five.' Here that is obviously not incorrect but if I were to read that address I would read it as 'a hundred and thirty five.'

In my experience, we say one thirty-five. Not because it's "good English" but because numbers can be difficult to remember for some people. Therefore brevity is key to remembering the numbers. One hundred and thirty-five would sound bizzare in American English! You can also say in AE, one three five followed by the street number or name.

Thanks all~

Well, because the street number is not a number //of something// (quantity), it really doesn't matter. The number has no meaning. I wouldn't say it is "very bad English" to say "one three five", but it is harder to remember. It's OK to read it as a number if you want. I would say "one thirty-five" because it is easier to remember "1", "35" (This concept is called "chunking"). If your address has four (or more?!) digits, e.g. "1235", //nobody// will say "one thousand, two hundred and thirty-five" because it is too long. They will probably say, "twelve thirty-five". Again, it is not a quantity, so it doesn't matter. The same is true of phone numbers -- absolutely nobody reads them as quantities. Obviously, if we ARE talking about quantity, you should say it as a full number.