Credit Card Center Advertiser Disclosure

Reply
New Member
Posts: 4
Registered: ‎07-21-2016

my disappearing death report

apologies if this is the wrong section.

 

So, I just apped for an amex carda and denied. The important part of the denial says "risk score not available due to report of deceased status" from experian.

 

I call amex about this first. They say that I am seeing it correctly and they pushed for a manual review, so I let them and they confirmed this did come from experian as far as they could tell. They say to make sure to call experian. 

 

Now I called the generic automated number and ordered a report in the mail. I found another number to get me a human to explain my problem, that is someone says I'm dead but am not. Called that number and the lady double and triple checked her system and says she did not see anything of the sort of my report on her end.

 

What else can or should I do other than wait on pins and needles for this to bite me in the bud? Also, any ideas what might have happened to cause this? Thanks y'all! (Yes, I say "y'all" Smiley Tongue)

 

Valued Contributor
Posts: 1,650
Registered: ‎09-28-2014

Re: my disappearing death report

Glad to hear the reports of your demise were greatly exaggerated.

Do you have a way to pull your EX report? Annual free credit report, or $1 credit check total 7 day trial?

Fico 08: TU 724, EX 689 EQ 687
New Member
Posts: 4
Registered: ‎07-21-2016
0 Kudos

Re: my disappearing death report

Sorry, I should have been more clear. First I called Amex, they said that this was reported from Ex.

 

I then called a public automated number for Ex. and ordered a report that will take a while to come. I also found another number so I could get to a human. Now according to the lady I spoke with, that death report appears nowhere on my report.

 

Its a case of amex says ex says so, but ex says nu-uh I never said that.

 

I even tried to dispute online at experians site, but didn't see that to dispute. Just have to wait for report to come I guess. I know I will have to start a letter campaign if it does show up, but since nobody can find it-yet, I don't know what I should be doing.

Valued Contributor
Posts: 1,650
Registered: ‎09-28-2014
0 Kudos

Re: my disappearing death report


catman963 wrote:

Sorry, I should have been more clear. First I called Amex, they said that this was reported from Ex.

 

I then called a public automated number for Ex. and ordered a report that will take a while to come. I also found another number so I could get to a human. Now according to the lady I spoke with, that death report appears nowhere on my report.

 

Its a case of amex says ex says so, but ex says nu-uh I never said that.

 

I even tried to dispute online at experians site, but didn't see that to dispute. Just have to wait for report to come I guess. I know I will have to start a letter campaign if it does show up, but since nobody can find it-yet, I don't know what I should be doing.


No, I got what you were saying. I was just thinking that if you could pull your EX report you might see what Amex is seeing and EX claims they don't see. I guess you can just wait for your ordered report and see what it says. If it does not indicate you died, perhaps you can call Amex and offer to send it to them.

 

Very strange. As I understand it the Social Security Administration is the government agency that keeps records of reported deaths and the credit bureaus get it from there. Do you have an online account at Social Security? If not you can create one at www.ssa.gov. If they think you're dead they will probably deny you creating an account. If they let you make an account it will show current earnings & SS tax contributions, indicating they don't think you're dead.


Fico 08: TU 724, EX 689 EQ 687

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.