Holidays have us rushing around and forgetting other things that are important to do. Identity theft is rampant and one of the reasons people have to file Bankruptcy. I have to remind my clients when a loved one has passed, to immediately report it to the three credit bureaus.

It is too easy for hackers to obtain sensitive credit information and use that deceased’s identity.

To notify Experian of your relative’s death and request a copy of the deceased’s credit report write to:

P.O. Box 9701
Allen, TX 75013

You will need to include a copy of the death certificate. Unless you are the surviving spouse, you will also need to send proof that you are authorized to act on behalf of the individual, such as a copy of a legal document with a court seal indicating you are the executor of the estate.

You can also submit the death certificate and any necessary documents online along with your request for report.

Updating Credit Report to Show Deceased

Experian also periodically receives notice from the Social Security Administration of individuals who have been reported to it as deceased.

Once we receive notification that an individual is deceased, we will add an indicator to their file that creditors and others requesting the report will see a person is deceased from that person’s lenders. Once lenders are notified, they submit the information to Experian along with their account updates. The individual accounts then will be identified as belonging to a deceased individual as they are updated.

How Long Do the Deceased’s Accounts Remain?

Accounts that show deceased remain on the credit report for seven years. Eventually, all of the accounts will be deleted and the credit report will no longer exist.

Sherry Ellis