Context
During QA testing of the PII verification feature, a gap was discovered: if an applicant submits information for a deceased individual, the credit bureau report still returns a hit indicator of 'hit' or 'regular hit' and an SSN match of 'exact' — meaning the file presence and SSN checks pass successfully. However, the FICO score absence reason is set to 'deceased'. Because the current system does not evaluate the FICO score for lease-to-own offers (only its presence), the deceased flag goes undetected and the applicant receives preliminary lease-to-own offers. A decision is needed on how the system should handle FICO score absence reasons to prevent deceased individuals from qualifying.
How should the system handle FICO score absence reasons during the PII verification check?
You answered on Apr 17, 2026 at 1:42 PM
no offer, log triggers
Your answer
Evaluate the FICO absence reason for all loan types — only permit specific absence reasons (e.g. 'insufficient credit'); all other reasons, including 'deceased', block the applicant regardless of loan type
Rely on FICO presence rather than absence reason — when the credit score SSN match is exact and the hit indicator is 'hit' or 'regular hit', only permit absence reason 'insufficient credit'; in all other cases, require the FICO score to be present
None of the above — I'd like to talk through the tradeoffs first.