Monday, May 14, 2012
Judge resurrects consumer when credit bureaus can't
Even though he was sitting across from his banker and very much alive, the credit bureaus would not score his credit report. No score, no loan. The attorney wrote the credit bureaus, providing such proof as a recent pay Stubbs (most dead folks retire upon death).
The letter and proof should have been good enough to ressurect Joe but, you guessed it, a pulse is simply not enough proof for the credit bureaus. They responded by informing Joe that he was still dead.
So what did the lawyer do? Pretty creatively, he filed a motion in a case he already had pending for Joe asking that the judge declare Joe as alive. The judge even took testimony, which consisted of one question - "Are you alive?" which Joe answered in the affirmative, which most deceased folks are apt not to do. The judge granted the motion, thereby establishing that Joe was indeed alive.
The question I still have is whether that was enough for the credit bureaus? The article does not say. Unfortunately for Joe, he might still be dead. Read the whole article here - Deep breath not enough to persuade credit bureaus you are alive