Yesterday, Janna was shocked and horrified to learn CBCInnovis and “Fair Issac” think she is deceased!
Just who — or what! — is this Fair Isaac person or thing/monstrosity-upon-humanity and how did he/it become so un-aptly named and hooked up with CBCInnovis?
The great Debix Identity Theft Protection Service could not save us from the lie of Janna’s premature death!
Janna, I assure you, is alive and well and glowering at me from across the room as I write this in seeking your help and experienced insight.
It seems our bank uses a wacky, third-party — non-“Big Three” — credit reporting agency mysteriously called “CBCInnovis” and they use a “Fair Isaac” score to determine credit worthiness and, unfortunately, if that Big Ugly CBCInnovis un-Fair Isaac thinks you’re dead, you aren’t going to qualify for any loans.
We feel like having CBCInnovis and Fair Isaac in your credit life is like having your doctor hand you a vial of poison and imploring you to drink it to feel better.
Now the process becomes one of proving to CBCInnovis and Fair Isaac that Janna is un-dead.
How does one indicate the obvious to a faceless — but not nameless! — data system that thinks otherwise?
CBCInnovis won’t let you talk to a live person to get the problem fixed.
CBCInnovis won’t let you go online and dispute the exaggerated reports of your death.
You, as one of the premier “CBCInnovis Fair Isaac Dead,” have to write a letter and demand, under the federal Fair Credit and Lending Act, that you are not really actually dead and that the record be corrected in your favor to reflect your really true living status. Riiiiiiiiight.
How does a mess like this happen?
Have you ever had to prove you are something others officially claim you are not… like being not deceased?
You know this “proof of life” process is going to go on and on and on and on and no loans will be forthcoming any time soon.
That is disappointing news and it makes you want to hunt down CBCInnovis and “Fair Isaac” and teach them a thing or three about the power of justice living well and doing hard time in clenched fists and then vigorously meeting doubting, pointy, chins that are more interested in funerals and graves than in giving the living a helping hand up.