Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
Re: TU Has Locked Me Out "Forever"

Did someone in your family die in 2007? 


If so, they may have you listed as deceased,  I saw a user who was listed as deceased, however it was her mother who had passed away instead, and she had a joint mortgage with her mother:



Recent government estimates have revealed about 1,000 people per month are mistakenly declared dead by a number of entities, including the Social Security Administration, the big three credit bureaus (Equifax, Experian and TransUnion), banks and credit card issuers.

The reason behind the erroneous credit reports is a bit of a mystery, but there’s no doubt that it has a massive impact on the lives of those affected.

The main reason that being declared dead is so problematic is the inability consumers have to acquire a loan, credit card, or even job, as a result. Once you are declared deceased, your credit history is locked down, meaning you no longer have a credit score, and no one — including lenders and credit card issuers — can access your credit history.

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