While you can’t add a fraud alert to the credit report of a deceased family member, you can update your family member’s credit report to show as deceased. This will notify any creditor who attempts to pull the report that the consumer is deceased.
First, ensure that the Social Security Administration has updated their files for your loved one. You can find the contact info for your local Social Security office online. If you’re working with a funeral director, they may have reported on behalf of the family already. Check with them to see if this is part of their services.
If the Social Security Administration hasn’t updated their files or you want to expedite the process of appropriately marking your loved one’s credit report, consider contacting a credit reporting agency yourself. Whichever agency you contact – TransUnion, Equifax or Experian – will then notify the other two on your behalf.
To contact TransUnion, send a copy of the death certificate and the following information for the deceased:
- Legal name
- Social Security number
- Date of birth
- Date of death
This can be mailed to TransUnion at:
TransUnion
P.O. Box 2000
Chester, PA 19016
Once we receive the letter, we’ll note the individual is deceased on their TransUnion credit report within five business days.