Loker Law

My Credit Report Says I’m Deceased. What Do I Do?

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If you were denied a loan, you may check your credit score to discover why. However, discovering that you’ve been reported as deceased will likely come as a shock to you, especially since you are very much alive. While this may seem like a morbid and funny error, it can cause a significant amount of issues. If you’re unfamiliar with the problems that can arise because of the inclusion of incorrect information on your account, you’ll want to keep reading. You’ll also learn how an inaccurate account information disputes lawyer can assist you in remedying your report.

Why Would My Credit Report Claim I Am Deceased?

Unfortunately, there are several reasons why your credit report may list you as dead. Generally, if a creditor incorrectly inputs this information, it can reflect on your account. Additionally, if you co-signed a loan with someone who passed away, their death may trigger the creditor to mark the account as deceased, even though the other owner is alive.

Another possibility is that the Social Security number associated with your identity has been marked as deceased. As such, the credit reporting bureaus will update your account accordingly.

Finally, data entry errors can lead to this impacting your account, as you may find that inputting the wrong digits or mixing up your number with that of another person who passed away can lead to your account containing this incorrect information.

Why Do I Need to Fix This Error?

Though this may not seem like an error that needs immediate fixing, it’s essential to understand that this incorrect information can have a significant impact on your finances.

When you are reported as deceased, you will likely be denied loans you apply for, as lenders will not initiate loans with those who are not alive. Additionally, current creditors can close your lines of credit, and you may lose insurance benefits as a result.

How Can a Credit Reporting Attorney Assist Me?

If there is information on your account that is not correct, ensuring you remedy these errors as soon as possible is critical. Unfortunately, this process can be incredibly complex, so it’s in your best interest to contact an experienced lawyer to help you through these circumstances. Not only can an attorney help you complete the necessary steps to have this information removed or corrected, but they can also assess the circumstances to determine if you are eligible to recover compensation for any damages you’ve suffered because of the error.

At Loker Law, we understand how much anxiety this situation can cause. That’s why our team is committed to working with you to discuss all your options to remedy these circumstances as soon as possible. Contact our team today to learn how we can assist you.

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