Re: TU Has Locked Me Out "Forever"
01-04-2013 02:45 PM
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.
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge