There are many reasons to check your credit report and you can get a free copy from each of the credit bureaus every year. You might even find a mistake. One woman found an error she couldn't believe. She was dead.
Mary McCreary has been searching online and visiting car lots looking for a good deal on a used car. She found a few good options and headed to Tier One Bank for a loan, but instead of getting a loan, she got a eulogy.
“When I talked to the loan officer she told me that my information showed that I was deceased and obviously that's not the case because I'm still here."
Mary went online and ordered her yearly free credit report. "When I checked my credit report it said that I was deceased."
Most of the information is correct, including her past jobs, but after she got divorced and changed her name back to her maiden name, the current status indicates she’s dead.
“When I tried contacting the credit report companies, it's all automated so it's not real easy to get the information to them. I never really got it resolved."
All the credit bureaus provide an 800 number, but when you call it tells you to file your complaint online. They say it actually speeds up the process, it’s secure and allows for instant correspondence with the person filing the complaint.
We asked how long it would take. By law, credit bureaus have 30 days to fix a complaint, but they say it usually takes around three days to resolve one. "I really would like to get my car, but I'm not sure how to go about doing that."
Mary will file an online complaint and hopes she will no longer be listed as deceased.
Six On Your Side spoke with CSC Credit Services and it admits it was a mistake and they are going to take the deceased status off all her credit reports.
Source: http://www.wowt.com
