In every class I teach, I am always telling people about the importance of checking their credit report each year. Recently I had a mortgage client who had never checked his credit. He was confident everything was in good shape because he had not needed credit. I pulled the credit, he was correct about no debts, but he was being reported as deceased. Yes, deceased, no credit score, no credit history. This is not a problem for the deceased. However, this is a problem when you are alive and well. Continue reading →