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Credit Zombie
In the United States, a credit zombie is a person who has been erroneously declared dead by the Social Security Administration by being listed in its Death Master File (commercially known as the Social Security Death Index). It is unclear why living people are added to this list. As a result of the listing, credit bureaus return reports of "deceased" to entities seeking checks on the individuals' credit reports, which can prevent people from obtaining credit, receiving government benefits, renting apartments, or securing jobs, and interfere with anything involving credit checks or Social Security. Credit zombies may even find their bank accounts frozen and have no access to their money. The term "credit zombie" is an analogy to the concept of the zombie A zombie ( Haitian French: , ht, zonbi) is a mythological undead corporeal revenant created through the reanimation of a corpse. Zombies are most commonly found in horror and fantasy genre works. The term comes from Haiti ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
United States
The United States of America (U.S.A. or USA), commonly known as the United States (U.S. or US) or America, is a country primarily located in North America. It consists of 50 states, a federal district, five major unincorporated territories, nine Minor Outlying Islands, and 326 Indian reservations. The United States is also in free association with three Pacific Island sovereign states: the Federated States of Micronesia, the Marshall Islands, and the Republic of Palau. It is the world's third-largest country by both land and total area. It shares land borders with Canada to its north and with Mexico to its south and has maritime borders with the Bahamas, Cuba, Russia, and other nations. With a population of over 333 million, it is the most populous country in the Americas and the third most populous in the world. The national capital of the United States is Washington, D.C. and its most populous city and principal financial center is New York City. Paleo-Americ ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Social Security Administration
The United States Social Security Administration (SSA) is an independent agency of the U.S. federal government that administers Social Security, a social insurance program consisting of retirement, disability and survivor benefits. To qualify for most of these benefits, most workers pay Social Security taxes on their earnings; the claimant's benefits are based on the wage earner's contributions. Otherwise benefits such as Supplemental Security Income (SSI) are given based on need. The Social Security Administration was established by the Social Security Act of 1935 and is codified in (). It was created in 1935 as the "Social Security Board", then assumed its present name in 1946. Its current leader is Kilolo Kijakazi, who serves on an acting basis. SSA offers its services to the public through 1,200 field offices, a website, and a national toll-free number. Field offices, which served 43 million individuals in 2019, were reopened on April 7, 2022 after being closed for t ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Death Master File
The Death Master File (DMF) is a computer database file made available by the United States Social Security Administration since 1980. It is known commercially as the Social Security Death Index (SSDI). The file contains information about persons who had Social Security numbers and whose deaths were reported to the Social Security Administration from 1962 to the present; or persons who died before 1962, but whose Social Security accounts were still active in 1962. , the file contained information on 111 million deaths. In 2011, some records were removed from the file. Overview The data include: * Name (Given name, surname), since 1990s the middle initial * Date of birth (Year, Month, Day) * Date of death (Year, Month), since 2000 the day of month * Social Security number * Whether death has been verified or a death certificate has been observed. In 2011, the following information was removed: * Last ZIP code of the person while alive * ZIP code to which the lump sum death benefi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Social Security Death Index
The Social Security Death Index (SSDI) was a database of death records created from the United States Social Security Administration's Death Master File until 2014. Since 2014, public access to the updated Death Master File has been via the Limited Access Death Master File certification program instituted under Title 15 Part 1110. Most persons who have died since 1936 who had a Social Security Number (SSN) and whose death has been reported to the Social Security Administration are listed in the SSDI. For most years since 1973, the SSDI includes 93 percent to 96 percent of deaths of individuals aged 65 or older. It was frequently updated; the version of June 22, 2011, contained 89,835,920 records. Unlike the Death Master File, the SSDI is available to the public at many online genealogy websites. The SSDI is a popular tool for genealogists and biographers because it contains valuable genealogical data. It is also useful for medical research such as clinical trials and epidemiology ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Credit Bureau
A credit bureau is a data collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, Special Accessing Entity in the Philippines, and also to private lenders. It is not the same as a credit rating agency. Description A consumer reporting agency is an organization providing information on individuals' borrowing and bill-paying habits. Such credit information institutions reduce the effect of asymmetric information between borrowers and lenders, and alleviate problems of adverse selection and moral hazard. For example, adequate credit information could facilitate lenders in screening and monitoring borrowers as well as avoiding giving loans to high risk individuals. Lenders use this to evaluate credit worthiness, the ability to pay back a loan, and can ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Credit Report
:''This article deals with the general concept of the term credit history. For detailed information about the same topic in the United States, see Credit score in the United States.'' A credit history is a record of a borrower's responsible repayment of debts. A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments.http://money.usnews.com/money/blogs/my-money/2013/04/22/credit-report-vs-credit-score-do-you-know-the-difference A borrower's credit score is the result of a mathematical algorithm applied to a credit report and other sources of information to predict future delinquency. In many countries, when a customer submits an application for credit from a bank, credit card company, or a store, their information is forwarded to a credit bureau. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained b ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Zombie
A zombie ( Haitian French: , ht, zonbi) is a mythological undead corporeal revenant created through the reanimation of a corpse. Zombies are most commonly found in horror and fantasy genre works. The term comes from Haitian folklore, in which a ''zombie'' is a dead body reanimated through various methods, most commonly magic like voodoo. Modern media depictions of the reanimation of the dead often do not involve magic but rather science fictional methods such as carriers, radiation, mental diseases, vectors, pathogens, parasites, scientific accidents, etc. The English word "zombie" was first recorded in 1819, in a history of Brazil by the poet Robert Southey, in the form of "zombi"."Zombie" in |
Zombie Debt
Phantom debt or zombie debt is a debt that is old, defaulted, or not owed and is somehow still being pursued for collection to be paid by the presumed debtor. It generally refers to debt that is more than 3 years old, is long forgotten about or belonged to someone else – like someone with the same name or a deceased parent. The amount owed can grow to hundreds or thousands of dollars more than what was originally owed. An example of this is from George Lovelock. George missed an 11 cent Verizon bill and seven years later it had grown to $4,000.00. Sometimes it was never owed, was owed by a deceased parent, or that was previously owed by the presumed debtor, but was previously paid in full, settled, discharged via bankruptcy or a dismissed court case, is beyond the statute of limitations, or is otherwise not legally collectible, but that a collection agency or other similar service is aggressively attempting to collect, often fraudulently. While the concept of phantom debt is qu ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
