Social Security numbers when running credit checks

3 Replies

I have been running in to people that use social security numbers that indicate multiple people are using them when I run the credit report. Is this something that happens often to any of you? How do you factor that in the evaluation? Do you auto deny? I denied because I couldn't establish rental or credit history, but curious to see how others treat the situation.

(I think one person was definitely trying to use another family member's info because it came up as a totally different birthdate associated with the social security number, BUT the credit check said that this person was one of the known people to use that social security number) They used one name on the app and then the email had the other person's name in it (like I wouldn't notice??)