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My credit score dropped 80 points because a bot thought I was dead
Applied for a home equity loan in April, and the bank's algorithm flagged me as deceased after I missed one identity verification prompt. Took three calls and a faxed copy of my birth certificate to prove I was breathing. Has anyone else had a system mistake alive for dead, and how long did it take to fix?
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charles_young9219d ago
Wait a second, you said you missed one verification prompt. That's not exactly the same as a bot deciding you were dead for no reason. Usually those systems flag you after multiple failed checks, not a single missed one. The real issue is probably that your info with the credit bureaus got mixed up with someone else who has a similar name or social. Anyway, it took me about six weeks to fix a similar mess, but I had to file a dispute with each bureau separately. Also, that faxed birth certificate thing is ridiculous, they should accept a digital copy these days. Hope yours gets sorted faster than mine did.
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