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Help! On my credit report I'm dead...

who's talking here?

Jen 1
CavemanBarney 1
FANCY PANTS 1
Warren Peace 1
AwesomeTattooedDragon 1
RedMulch 2
Gigix4 1
SagaciousSighFiGurl 1
Miss Understanding 2
andreweggplant 2
DatBoyHooD 2
kwgraniteguy 1
Butterbean 1
mutton 1
Zapper009 1
MsUndrstnd is a crazy hag 2
Allgood 5

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Allgood --- 3 years ago -

Hi,

I'm a longtime Kingwood resident. I need a new place to live and can't get a house or apartment because my credit score is 0--I am incorrectly flagged as dead and my accounts are not correct.I went to get a mortgage recently and the loan officer said they couldn't help until that got taken care of. (I thought it was a year ago) I have contacted the reporting agency with no response. I can't get them to do anything. I was told by credit specialist it would probably take 6 months to fix! I need a place to go now. I am happy to pay several months rent ahead, provide bank statements proving financial liquidity and pay stubs that show regular income...Does anyone know a complex or owner who would evaluate individually? Most complexes have an outside system that screens tenants and obviously it has sent back an automated no. 

RedMulch --- 3 years ago -

did you have any life insurance? 

Allgood --- 3 years ago -

I don't think they pay for death by credit bureau. 

RedMulch --- 3 years ago -

No, I'm just saying file a claim for it. You will be risen from the dead on paper very fast.

Besides, I'm thinking this is BS. I would think if you suffered identity theft and the thief died, you would have know it long ago.

The FCRA demands that the credit bureau take action in 30 days. At any rate I would not ask for KU help. That is just not smart. 

DatBoyHooD --- 3 years ago -

After my father passed they had my mom as deceased as well, she went through a credit union to get a car loan while she fixed it.. I'll call her and ask how she fixed it 

DatBoyHooD --- 3 years ago -

Ok I'm no help she said after the credit union gave her the loan she never heard about it showing as deceased again.. . Sorry I couldn't help 

Allgood --- 3 years ago -

The credit bureau has marked me as deceased, because it was reported to them by a creditor. They then shut down entire file because they don't want identity thieves to apply for credit on a dead person. So, they are attempting to protect my social security number from being taken which is why they report 0 deceased.

I have evidence I was denied credit because of the error and can make a claim. But, that's cold comfort when I would like to move now.

So faster KU has moved much faster to help then the credit bureau.

I just need to know if there are rentals available that don't use the credit report as an automatic entry. 

Zapper009 --- 3 years ago -

Get a public service lawyer.

Someone here may know someone...

KU is full of many idiots - that do not know anything, but offer really cute and stupid advice...imho 

FANCY PANTS --- 3 years ago -

Isn't your SS number used when you get paid at your job? I would think they know you are alive if your are still working. Sorry you are dealing with this. 

SagaciousSighFiGurl (Mod) --- 3 years ago -

All the apartments use credit checks. It's just part of the standard process.

Go to the leasing office and explain what happened. Ask if you can still rent apart from the credit score issue. You need to talk to someone personally and face to face. But if you qualify and can pay in advance, I think someone will rent to you. 

CavemanBarney --- 3 years ago -

Go to Credit Karma dot Com, and see what they show for you. It's free. 

kwgraniteguy --- 3 years ago -

I would try the creditinfocenter.com
Its a forum like dedicated to all things credit.

On another note, glad your felling better. lol 

Butterbean --- 3 years ago -

You can pm the Emperor. He likes to deal in cash and, I'm told, has a place or two for rent.

You can meet up, and he'll quickly discern that you're not dead. 

MsUndrstnd is a crazy hag --- 3 years ago -

Can you post your SSN here and I'll search the social security administrations database for you. I'll check your current listing. 

Gigix4 --- 3 years ago -

Can you post your SSN here and I'll search the social security administrations database for you.

Yeah! Right ... go ahead and "post" your ss number on a message board! LOL 

andreweggplant --- 3 years ago -

Can you post your SSN here and I'll search the social security administrations database for you. I'll check your current listing.?

I cannot believe you even suggested that.... Guess there is one in every crowd or on a message board. 

MsUndrstnd is a crazy hag --- 3 years ago -

I cannot believe you think the OP is legit. 

Allgood --- 3 years ago -

Would Credit Karma tell me what my dead credit file evolved into?

I think I need to post in the underground economy. Yes, credit checks are standard. The ;easing agents don't have the authority to override a rejection because its standardized by corporate to ensure fair housing requirements are met.

And if your skeptical, you can understand why owners are as well. Who wants to walk into this headache? 

andreweggplant --- 3 years ago -

Would Credit Karma tell me what my dead credit file evolved into?

I think I need to post in the underground economy. Yes, credit checks are standard. The ;easing agents don't have the authority to override a rejection because its standardized by corporate to ensure fair housing requirements are met.

And if your skeptical, you can understand why owners are as well. Who wants to walk into this headache??

Might as well sign up and look. They do offer suggestions and it is free. 

Warren Peace --- 3 years ago -

I've heard of this and similar things happening to people. We need lawmakers to make this kind of thing an economic crime with stiff financial penalties. It's almost as if these credit bureaus are using outdated databases that invite and embrace human error with insufficient consequences to deter continued negligence.

Are you able to use any of your credit cards or your bank accounts? If you can, then word of your death has not yet leaked out. Check with all three credit bureaus to see if there is any consensus or disagreement about your death. Hopefully it's only one vouching for your death. Each credit bureau has an online method of disputing information on your report. When you dispute it, they send notice to the organization that reported this information to them. That organization must then investigate. If they determine that the information was an error, they are then obligated to report the correction to all three credit bureaus.

Congratulations on your near death experience and hopefully you'll soon feel refreshed with a renewed lease on life. 

AwesomeTattooedDragon --- 3 years ago -

I think you should correct your name to Who's Stalking Mark, not What's. (unless you think it's a tree or a car, etc.) 

Miss Understanding --- 3 years ago -

Help! On my credit report I'm dead...



Praise God that you're not!!!! 

Miss Understanding --- 3 years ago -

Iced bc Mark is weenie LOL



NO IT IS YOU WHO ARE THE JERKOFF!@ GET A LIFE!!! 

Jen --- 3 years ago -

I work in banking and have seen this before. Daughter and Mom has same first and last name, but different middle names. When mom passed, the credit bureaus reported her as deceased too. It took a good 6 months of hell and back to get it finally sorted. There was nothing we could do, until it was corrected then she had to allow time to build her score back up, because she started back over. 

mutton --- 3 years ago -

Social Security does this to people, been on the news more than once. Not surprised has happened with a credit agency...just not sure how you solve. 

Allgood --- 3 years ago -

People do not realize how paralyzing it is to not have an accurate credit file. Consumers are also misled as to how quickly they can be fixed. They have to investigate and respond within 30 days. But, I need housing now, not in 30 business days after there is a signed return receipt on their end--which is 30 days in their world. I used the online dispute and nothing happened. There was no e-mail confirmation, and I was naïve and thought, "this is such an obvious error the reader will open up the file on their end, hit delete." Wrong. The credit bureaus are aware this is a documentation game based on the fear of a claim or lawsuit. So, they apparently respond most rapidly to lawyer signed certified letters that come with jargon about the law, the exact place on each entry the item occurs on each report, proof you have been denied credit from the error, and submit my own documentation that I am the person with the ss, a notarized affidavit of my identity---and other crap I don't know--because fighting a wrong credit report is not a job I was trained for. They don't tell you all that. Not to mention the time spent compiling all the documents, notarizing documents, writing letters etc. You have to do this individually for each reporting agency.

I hired a firm with a lawyer to handle this because I don't have time to figure out the system--I need to move. I was told by them and a mortgage specialist that it takes an average of six months--not thirty days of letter chasing for anything to get the reports corrected so it can be used for credit.

I don't want a job suing credit bureaus, I just want to move:( 

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