There can be a lot to take care of when a loved one has passed away, but it’s important to notify the credit reporting agencies so the individual’s credit report can be marked as deceased and you can help prevent theft of their identity.
We periodically receive notifications from the Social Security Administration about those who have passed, but notifying us on your own can be faster and help ensure no one applies for credit in your loved one’s name in the meantime. When you notify one of the credit reporting agencies (TransUnion, Experian or Equifax), the receiving agency will notify the other two.
Follow the steps below and we will help you update your loved one’s credit report to give you peace of mind:
- Contact all creditors that the deceased person(s) did business with and request they mark their files accordingly. Be sure to forward the creditors a copy of the death certificate once you receive it as well.
- Check with the Social Security Administration to ensure they have updated their files for your loved one. You can find the contact info for your nearest Social Security office online.
- Forward a copy of the death certificate to one of the three credit reporting agencies; the receiving agency will notify the other two. Along with the death certificate, please include the deceased’s:
- legal name
- Social Security number
- date of birth
- date of death
If you are the spouse of the deceased, your letter should also include your name and mailing address, plus a copy of your identification, such as a driver’s license.
If the request is from an executor for the deceased, or someone other than a spouse, include: a copy of the requestor’s identification, plus a copy of the will/executor agreement or Power of Attorney documentation.
You can mail your information to TransUnion at:
P.O. Box 2000
Chester, PA 19016
Once we receive the documents, we’ll note the individual is deceased on their credit report and notify the other two credit reporting agencies.