Errors on your credit report, background check, or tenant screening can result in getting denied for a loan, a job, or even a home. Our team of consumer protection attorneys has over 35 years of experience defending clients under the FCRA. Best of all, there is absolutely no cost to you...
At least one account must be open for at least six months. At least one account should report activity to a credit bureau within the last six months. Your credit report can't indicate that you're deceased, which can sometimes happen if you share an account with someone who has died. ...
Our bank does not report business purpose loans to credit bureaus. If we have an address discrepancy on a credit report pulled for an individual, but the loan is business purpose, are we obligated to furnish the borrower's address under Reg V, once we have reasonably confirmed it as accurat...
Family members, including spouses,are generally not responsible for paying off the debtsof their deceased relatives. That includes credit card debts, student loans, car loans, mortgages and business loans. Instead, any outstanding debts would be paid out from the deceased person's estate. Can a ...
A small error in your credit report can have a significant impact on your credit score. For example, if your report says that you missed a payment months after you’ve paid your bill, your payment history could take a big blow. A negative payment history may badly damage your score. The...
Start by calling the reporting agencies with the deceased person’s name, Social Security number, date of birth and date of death. Follow up by mail to request that the credit report immediately flagged the as “Deceased. Do Not Issue Credit.” ...
Understand why you were turned down for a credit card after you completed successful home loan refinance.Read more Deceased's American Express Debt Mark CappelJuly 12, 2010 American Express | Creditors may contact the surviving relatives of a recently deceased debtor to try to convince them to ...
Results for: Showing 10 of 52 Featured Articles What Is the Difference Between a Credit Lock and Credit Freeze? Read More What Should I Do After I Freeze My Credit Report? Read More How to Spot and Avoid Phishing Scams Read More
At least one credit account open for six months At least one account updated in the last six months The credit file must not list the person as deceased First Account Eighteen-year-olds get an initial credit score six months after opening their first account. This concept leads to an importa...
A SSN check to confirm identity and identify the misuse of a social security number or that of a deceased person. Address reportsconfirming an applicant's residence and prior addresses and identifying potential problems such as mail receiving services or prison mail addresses. ...