Death Notification Procedures for the Credit Bureaus
In addition to notifying the Social Security Administration (1-800-772-1213) of the death of a loved one, it is equally important that you notify the three credit reporting bureaus of that persons passing.When you notify the bureaus, the deceased persons credit history is inactivated so that no one can use the deceaseds Social Security Number and accompanying credit history to obtain credit.To notify the credit bureaus of a death, you will need:1. A copy of the persons death certificate2. A brief note like the following:To Whom It May Concern:This letter is to inform you of the death of (full name of the deceased), Social Security Number (list deceaseds Social Security Number). If you have any questions or require additional information, please contact me.Thank you for your assistance.Sincerely,(Your Signature) (Your Name) (Your mailing address) (Your phone number)Send a copy of the death certificate and your letter to each of the credit bureaus listed below:Equifax Office of Fraud Assistance P.O. Box 105069 Atlanta, GA 30348Experian Office of Fraud Assistance P.O. Box 9530 Allen, TX 75013TransUnion Office of Fraud Assistance P.O. Box 6790 Fullerton, CA 92634In addition, here are some other organizations to notify:Local probate office. Most property must go through probate, even if the deceased had a will. The executor of the estate should call the probate office within 30 days of death. Generally a court date will be assigned within 14 - 30 days. The probate clerk or lawyer can advise what to bring to court.The deceased's health insurer. Determine if there are outstanding medical claims to file.The deceased's life insurer. The company's claim office will provide information on filing claims, payment of benefits, etc.The deceased's employer. Be sure to ask about insurance, pension funds, death benefits, unused vacation pay, etc. Ask about continuation of insurance coverage if the deceased had other family members covered under the employer's health insurance plan.Credit card companies. Call the customer service number to find out if the deceased purchased credit life insurance, which may pay off the account balance.Banks.Public services such as utility companies, cell phone services, the post office, newspaper delivery, etc.