# Well... i'm dead (credit question) **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [April 25, 2007, 7:19pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287 "2007-04-25T19:19:17Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Boomin99GT](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/boomin99gt/32/7306_2.png) [@Boomin99GT](https://forums.speedlife.net/u/Boomin99GT)\ **Post date:** [April 25, 2007, 7:19pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/1 "2007-04-25T19:19:17Z")
We’re going through with all the financing for my house today and the bank called me to inform me that when they ran my credit it came back that I’m deceased. I told them there clearly had to be a problem since last time I checked i’m alive and kicking. They finally tracked it down to one credit bureau that has me listed as being dead. Anyone have any idea how I go about becoming alive again?? They told me its not as simple as calling them and saying that I’m alive or else I would have done that already. Thanks guys. -Tom ---
**Author:** ![Mrs\_Karus](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/mrs_karus/32/7426_2.png) [@Mrs\_Karus](https://forums.speedlife.net/u/Mrs_Karus)\ **Post date:** [April 25, 2007, 7:20pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/2 "2007-04-25T19:20:20Z")
omg im sorry but lol ---
**Author:** ![Viper966](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/viper966/32/7268_2.png) [@Viper966](https://forums.speedlife.net/u/Viper966)\ **Post date:** [April 25, 2007, 7:21pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/3 "2007-04-25T19:21:37Z")
good luck with all that… ---
**Author:** ![The\_Russian](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/the_russian/32/7414_2.png) [@The\_Russian](https://forums.speedlife.net/u/The_Russian)\ **Post date:** [April 25, 2007, 7:24pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/4 "2007-04-25T19:24:03Z")
hahahahah…Lol wow, thats really hahahah ---
**Author:** ![sureshot](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sureshot/32/7578_2.png) [@sureshot](https://forums.speedlife.net/u/sureshot)\ **Post date:** [April 25, 2007, 7:24pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/5 "2007-04-25T19:24:06Z")
[quote=“Boomin99GT”"] We’re going through with all the financing for my house today and the bank called me to inform me that when they ran my credit it came back that I’m deceased. I told them there clearly had to be a problem since last time I checked i’m alive and kicking. They finally tracked it down to one credit bureau that has me listed as being dead. Anyone have any idea how I go about becoming alive again?? They told me its not as simple as calling them and saying that I’m alive or else I would have done that already. Thanks guys. -Tom [/quote] The bank is wrong. It’s that simple. However it can be timely unless you are willing to pay out the A. Call your lawyer, and explain the situation. Get a notarized letter stating you aren’t dead. Find out which company it is call them up and then dispute ONLINE claiming you have proof you aren’t pwned. They’ll request proof, you overnight it ( CMRRR ) and hope they look at it soon. But becareful what you send them, the less info the credit bureau has about you the better. Your lawyer may be able to assist you more. If you need more help, go to [www.creditboards.com](http://www.creditboards.com) -adam ---
**Author:** ![Boomin99GT](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/boomin99gt/32/7306_2.png) [@Boomin99GT](https://forums.speedlife.net/u/Boomin99GT)\ **Post date:** [April 25, 2007, 7:27pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/6 "2007-04-25T19:27:21Z")
[quote=“sureshot!,post:5,topic:28287"”] The bank is wrong. It’s that simple. However it can be timely unless you are willing to pay out the A. Call your lawyer, and explain the situation. Get a notarized letter stating you aren’t dead. Find out which company it is call them up and then dispute ONLINE claiming you have proof you aren’t pwned. They’ll request proof, you overnight it ( CMRRR ) and hope they look at it soon. But becareful what you send them, the less info the credit bureau has about you the better. Your lawyer may be able to assist you more. If you need more help, go to [www.creditboards.com](http://www.creditboards.com) -adam [/quote] Yeah I don’t need it done right away. The bank is still going to finance my house because 2 other credit bureau’s still list me as alive with very good credit haha. What the hell does CMRRR stand for btw? And what proof would they ask for besides the notarized letter? ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [April 25, 2007, 7:28pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/7 "2007-04-25T19:28:28Z")
Wow, that’s crazy. Like sureshot suggested, try [creditboards.com](http://creditboards.com). I’m sure someone there has an answer. I’m sure it won’t be simple. ---
**Author:** ![Clean\_Baldy](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/clean_baldy/32/7308_2.png) [@Clean\_Baldy](https://forums.speedlife.net/u/Clean_Baldy)\ **Post date:** [April 25, 2007, 7:47pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/8 "2007-04-25T19:47:48Z")
so, if you’re dead… does this mean you can rack up your credit cards and not have to pay em? LOL ---
**Author:** ![JoesTypeS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joestypes/32/7190_2.png) [@JoesTypeS](https://forums.speedlife.net/u/JoesTypeS)\ **Post date:** [April 25, 2007, 8:03pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/9 "2007-04-25T20:03:30Z")
^^^^ I’d take as much advantage of that as possible… ---
**Author:** ![HotRodKid](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/hotrodkid/32/7609_2.png) [@HotRodKid](https://forums.speedlife.net/u/HotRodKid)\ **Post date:** [April 25, 2007, 8:15pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/10 "2007-04-25T20:15:27Z")
sorry to hear about your passing … lol ---
**Author:** ![ryanmcell](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ryanmcell/32/7510_2.png) [@ryanmcell](https://forums.speedlife.net/u/ryanmcell)\ **Post date:** [April 25, 2007, 8:46pm UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/11 "2007-04-25T20:46:35Z")
[quote=“Clean Baldy,post:8,topic:28287"”] so, if you’re dead… does this mean you can rack up your credit cards and not have to pay em? LOL [/quote] My question precisely… ---
**Author:** ![Bigairskier1580](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bigairskier1580/32/7612_2.png) [@Bigairskier1580](https://forums.speedlife.net/u/Bigairskier1580)\ **Post date:** [April 26, 2007, 5:51am UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/12 "2007-04-26T05:51:03Z")
Imagine if he actually is dead, but his soul won’t move on, and he is just semi-exisiting… Ahhhhhhh! Anyways, how the hell did that one credit bureau get that you were dead in the first place?! ---
**Author:** ![micah](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/micah/32/7257_2.png) [@micah](https://forums.speedlife.net/u/micah)\ **Post date:** [April 26, 2007, 6:04am UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/13 "2007-04-26T06:04:39Z")
RIP ---
**Author:** ![Viper966](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/viper966/32/7268_2.png) [@Viper966](https://forums.speedlife.net/u/Viper966)\ **Post date:** [April 26, 2007, 6:07am UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/14 "2007-04-26T06:07:32Z")
[quote=“JoesTypeS,post:9,topic:28287"”] ^^^^ I’d take as much advantage of that as possible… [/quote] only way to do that is to get all 3 to think your dead… only problem is once u max out the debt yu have now ur kind of stuck… cuz u cant make a payment on any of it… and u cant open new lines of credit… so ur pretty much SOL for the rest of ur life ---
**Author:** ![Schema](https://avatars.discourse-cdn.com/v4/letter/s/779978/32.png) [@Schema](https://forums.speedlife.net/u/Schema)\ **Post date:** [April 26, 2007, 6:08am UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/15 "2007-04-26T06:08:00Z")
[quote=“Bigairskier1580,post:12,topic:28287"”] Anyways, how the hell did that one credit bureau get that you were dead in the first place?! [/quote] That was my very first question, and my very first thought was fraud. That, or you having the same name as someone, and they slipped up. Poor Mike Smiths’ ---
**Author:** ![Sc1chik](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sc1chik/32/7243_2.png) [@Sc1chik](https://forums.speedlife.net/u/Sc1chik)\ **Post date:** [April 26, 2007, 6:14am UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/16 "2007-04-26T06:14:16Z")
oh wow… hahaha. that has to suck… ---
**Author:** ![Mrs\_Karus](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/mrs_karus/32/7426_2.png) [@Mrs\_Karus](https://forums.speedlife.net/u/Mrs_Karus)\ **Post date:** [April 26, 2007, 6:14am UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/17 "2007-04-26T06:14:57Z")
i would take it as an opportunity to change your identity. ---
**Author:** ![sureshot](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sureshot/32/7578_2.png) [@sureshot](https://forums.speedlife.net/u/sureshot)\ **Post date:** [April 26, 2007, 6:20am UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/18 "2007-04-26T06:20:42Z")
[quote=“Viper966,post:14,topic:28287"”] only way to do that is to get all 3 to think your dead… only problem is once u max out the debt yu have now ur kind of stuck… cuz u cant make a payment on any of it… and u cant open new lines of credit… so ur pretty much SOL for the rest of ur life [/quote] not really. you could just do what a million people do and apply for a EIN ( employment identification number ) and use that (instead of your social#) to apply for new credit. The EIN and SS# aren’t associated somehow, so all your past credit, good or bad, isn’t transferred over. it’s how a lot of the online ‘fix your credit in 30 days’ schemes work. oh i forgot, it’s illegal, but people do it all the time anyways ---
**Author:** ![Boomin99GT](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/boomin99gt/32/7306_2.png) [@Boomin99GT](https://forums.speedlife.net/u/Boomin99GT)\ **Post date:** [April 26, 2007, 7:45am UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/19 "2007-04-26T07:45:51Z")
So… only 1 credit bureau thinks i’m dead so all the people that say rack up the credit debt that won’t work. I still get credit card statements from the other 2 credit bureau’s every month. Just 1 out of 3 of them think i’m dead which is what i find funny because you would think if somehow someone with the same name was reported as dead all 3 would have me reported as deceased. ---
**Author:** ![Justin](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/justin/32/7459_2.png) [@Justin](https://forums.speedlife.net/u/Justin)\ **Post date:** [April 26, 2007, 7:50am UTC](https://forums.speedlife.net/t/well-im-dead-credit-question/28287/20 "2007-04-26T07:50:59Z")
Dear Mr. XXXXX, We regret to inform you that you will not be approved for you Loan. Sorry. Reason: You are dead. -Finance Company 🤣 [Next page](https://forums.speedlife.net/t/well-im-dead-credit-question/28287.md?page=2)