Credit report shows deceased?!

[AndyRay]

When the statements in your credit report shows deceased, this could mean a lot for your financial activities. Creditors, landlords, and other entities can deny you credit, housing, or employment on the basis of this misinformation. But it's important to know that such errors are quite common and can be corrected if you follow the right way.
 

Steps to take:

- Get Credit Reports: Start by getting copies of your credit reports from all three major credit bureaus: Equifax, Experian, and TransUnion. You can get your free copies annually by going to AnnualCreditReport.com.
- Find the Error: Inspect all credit reports with care to ascertain where it is that you are stated as deceased. Note any inaccuracies or discrepancies in the information provided.
- Dispute the Error: Write to the credit bureau which has wrongly posted you as deceased, clearly detailing the situation and providing proof of identity and living status. These documents can be copies of your driver's license, passport, or Social Security card.
- Follow Up Regularly: Stay in the loop by following up with the credit bureau for some days, so they are serious in resolving the error. Make sure you record every conversation or mail you send or receive.
- Additional Measures: If you feel the error needs to be resolved as soon as possible, go for a fraud alert or a security freeze on your credit file to avoid any unauthorized activities from happening again. This will also protect you from potential identity theft and fraud.
 

Checking Your Credit Report: After the correction is done, keep track of your credit report often just to make sure everything remains on the right course. Set up alerts or reminders to check your credit every now and then.

Encountering a credit report error showing that you are deceased can be distressing, but you can do something about it. Following the above steps methodically will make it sure that your credit report faithfully reflects your living status and safeguards you from any other financial consequences.

Edited March 27 by AndyRay