Credit bureau reporting I'm lifeless.(anyone hear of this)? The last credit card I get was prob. around sept. '06, after

The last credit card I get was prob. around sept. '06, after oct. '06 I applied for pay buddy on e-bay. I got denied and get a letter stating the judgment why is CREDIT BUREAU REPORTS APPLICANT IS DECEASED. All the numbers I tried to call be automated and I couldn't reach anyone. Recently I applied for a home loan basically to see what my boyfriend and I could get approved for. I warn the guy that my credit report stated that before. So as expected my credit report came wager on saying like thing. Only for Experian and Equifax, not for TransUnion. I own been have problems getting ahold of someone there. I sent junk mail asking what I need to do. Finally I found a number where on earth I reached someone. They be rude at first and confussed. (imagine how I feel). Finally they said send a notorised tabloid stating that I am alive, a copy of my ID, and a electricity bill. So I am getting that done, asap. I'm just disturbed why my report says that and if this will fix it. Has anyone hear of this? It's scary

Answers: Send a certified epistle to all three credit bureau's--they hold to sign upon receipt. Your social scty number is still helpful which is proof you-- yourself is still "active" not deceased.
You can include any other bill as evidence (any one can land electric/water ect in a name) but a copy of your current driver's license and ssn card should provide proof.

Make sure social surety dept has not reported you "deceased"

Only one number enter wrong by some overworked clerk can cause you a mountain of a headache.

It's not unheard of. There are plentiful errors made on these reports, which is wghy you should order your free copy every year from respectively bureau.

Follow their directions and you'll get it cleared up impartially quickly. Make sure you contact both Experian and Equifax - you'll want to update it on each one separately.

By the passageway - never apply for credit "just to see". Every inquiry lowers your credit evaluation.

Good luck!

Do this.

Read the Fair Credit Reporting Act.

Then go ahead and convey this information to the credit reporting agenciesby certified mail/return receipt.

Inform them of the following:

1) Due to their error surrounded by reporting on your credit history, you have be denied credit. Include a copy of any documentation you have to support thisgo vertebrae to the mortgage company and get a statement that you be denied credit due to this error.

2) Inform them that in accordance to the FCRA, they are liable for any damages that this report have caused you, plus penalty of $1000.

3) Inform them that unless your credit report is repaired within 30 days, you will record a small claims suit in your county court. If you can return with a copy of the paperwork, fill it out and convey a copy to them to prove you know what you are talking just about and are ready to proceed near the lawsuit.

4) Watch the report get fixed valid quick!

Contact me if you obligation more info. Quit being nervousyou may hold just won the lottery! I love helping population with these types of cases.