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After a death, guard against ID theft

Informing the 3 major credit bureaus about a death in the family can help prevent identity theft.

By Karen Datko Feb 9, 2011 12:26PM

This post comes from Jim Wang at partner blog Bargaineering.

 

Reader Kim e-mailed me a few weeks ago with a question I've, thankfully, never had to deal with. Following the death of her mother, Kim was wondering if she should report the death to the credit bureaus.

She has already paid off and closed all credit accounts and by all accounts things are settled. Her lawyer didn't know the answer so she thought maybe I did.

 

My gut reaction was that you should notify them, and any other similar organizations, to prevent identity theft and fraud.By placing a "deceased alert" on the credit report, any potential creditors or lenders will learn, upon pulling the report, that the person is deceased and should not be extended credit.

Only relatives of the deceased can request this. I don't see any reason why you wouldn't want to do this.

How to submit a deceased alert

According to the credit bureaus, you will need to write a letter that includes:

  • Language notifying the bureau that the person referenced is deceased and that a deceased alert should be placed on the report.
  • Decedent's full name.
  • Social Security number.
  • Recent address.
  • Date of birth.
  • Date of death.
  • Copy of the death certificate.

Mail this request by certified mail with return receipt requested to each of the addresses below:


Equifax Information Services LLC
Office of Consumer Affairs
P.O. Box 150139
Atlanta, GA 30348

 

Experian
P.O. Box 9701
Allen, TX 75013

 

TransUnion
P.O. Box 6790
Fullerton, CA 92834

 

It's a difficult time to begin with. Don't make it harder by allowing identity theft to occur.

 

More from Bargaineering and MSN Money:

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