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How Do I Notify Credit Reporting Agencies That My Loved One Has Died?
If you’re the spouse or executor of your loved one’s estate, you can report their death to any one of the three major credit reporting agencies (Equifax, Experian, or TransUnion) […]
If you’re the spouse or executor of your loved one’s estate, you can report their death to any one of the three major credit reporting agencies (Equifax, Experian, or TransUnion) by writing a letter. In the letter, you’ll need to include your loved one’s personal information so the agency can locate their report — full legal name, Social Security number, birthdate and location of birth, and death date — along with a certified copy of the death certificate and proof that you have legal authority to manage their accounts.
The agency you report the death to will inform the other two. All three will flag the person’s credit report with “deceased – do not issue credit” to prevent further activity or new accounts being opened under their name. It’s a good idea to make and keep copies of all the documentation you’re sending, and send the necessary documents via Certified Mail.
Each bureau may have slightly different requirements, or it may be possible to report the death online (including uploading the death certificate). Select any from the list below for specific information, along with their mailing address.
Equifax Information Services LLC
PO Box 105139
Atlanta, GA 30348-5139
Experian
PO Box 4500
Allen, TX 75013
TransUnion
PO Box 2000
Chester, PA 19016
Sources
“How to protect your deceased loved one’s credit after death”. Bankrate. https://www.bankrate.com/personal-finance/credit/how-to-protect-your-deceased-loved-ones-credit/
“Certified Mail Guidebook.” USPS. https://postalpro.usps.com/certified-mail-guidebook
