I have 2 listings on my credit reports from Capital One, both credit cards, as "Deceased". They are for $1948 and $1050. They have both been written off and are past the 4 years Pennsylvania SOL and are scheduled to fall off my reports around June 2011. I do not get letters from them and they do not seem to have sold them to a collection agency. I never told anyone to tell them I am deceased or told them myself, but my father has the same name as I do and possibly a relative may have told them he was deceased when they heard the name. Should I just let them fall off, dispute them, but i don't want them to say I committed fraud and say they need to stay on the report, you know let sleeping giants sleep.
If your credit reports indicate that you are deceased, your FICO score cannot be calculated. That's going to be a big problem if you ever want to rely on your credit to finance a home, a new car, or get a new job. You've done nothing wrong, but I would contact the CRAs to let them know that you're alive and well and shouldn't have deceased notations showing up on your credit reports.
Well I am listed only on those 2 accounts, I have other listings and I am not listed this way. How should I contact the CRA, just call them and inform them or have them investigate the 2 listings? Could the listing be removed because of this? I would like to know how this got listed this way, if someone is giving out misinformation about me or if Cap One just made a mistake, but will Cap One even know how it was listed this way?
