Home > Credit Score > Dealing with a Credit Report for the Deceased

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While it’s not something many people think about until faced with the issue, obtaining a credit report for a deceased person is important. It’s important to remember that the death of a loved one can impact your finances. You may need to make sure the credit report is accurate and take stock of any creditors you need to notify of the death, or see if there’s any unresolved debt that you’re not aware of.

It’s not uncommon for criminals to try to take advantage of the fact that someone who has passed isn’t checking their credit, which can increase the chances of identity theft and credit card fraud. That’s why it’s crucial to handle this process as quickly as possible.

Obtaining Someone Else’s Credit Report

In general, only the person who is the subject of the credit report should have access to it. But there are times when you may need to pull someone else’s report, such as the death of a loved one. Other instances may be when you’re checking someone’s credit as part of an application for a job or a rental property or if you’re helping someone work on their credit. Here are some commonly asked questions about obtaining someone else’s report.

  • How do you check someone’s credit history? You must have permission to check someone’s credit history, which can be as simple as them checking a box on a rental or job application. Once you have their permission, you can use their Social Security number, name and date of birth to do a background check that includes a credit history.
  • Can you look up someone else’s credit file? Yes, you can, but you have to have their permission and their personal information to be able to pull the correct report. This is common in situations where an agency or individual is helping another person repair their credit or address inaccuracies after identity theft.
  • Should you notify credit bureaus of a death? Yes, you should notify the three major credit bureaus as soon as possible after a death to ensure that the account is marked as deceased and no one else can open credit in the person’s name.

Obtaining the Credit Report of the Deceased

One of the most common situations where you will need to obtain someone else’s credit report is if a loved one dies and you are the financial power of attorney and/or executor of the estate. Here are the steps you need to take to obtain your loved one’s credit report after they’ve passed and how to protect their legacy.

1. Collect All the Paperwork

It’s a lot easier to begin the process of obtaining a credit report if you already have the paperwork needed. Each of the three different credit bureaus may have different requirements to be able to report someone dead and obtain their report, so you may want to call and find out what documents are required beforehand. The most commonly requested are:

  • A copy of the durable financial power of attorney, if applicable
  • Proof that you have been named executor of the estate
  • Testamentary letters from the probate court
  • An official copy of the death certificate

It’s a good idea to get at least one copy of these documents for each of the three bureaus, but you’ll also probably want a copy for yourself and another backup just in case.

2. File the Will If Necessary

Before you can start the process of obtaining the credit report, you’ll need to file the will with the probate court. To do this, you’ll need a certified copy of the death certificate, which can be obtained from your local health department for a small fee. If there is no will or named executor of the estate, you may need to file with the courts to be named as executor.

3. Submit a Death Certificate and Other Documents to the Credit Agencies

Once you have all of your documents gathered together, you’re ready to start submitting the paperwork to the credit bureaus. Remember that you’ll need to report the death and ask for the report from all three major bureaus: Experian, TransUnion and Equifax. Along with the death certificate, power of attorney and testamentary letters, you’ll also need to include a cover letter explaining that the person has passed and that you need to obtain the reports to put their affairs in order. Your letter should also include:

  • The deceased’s name
  • Last used mailing address
  • Social Security number

You may also need to send along a check or pay via phone or online to obtain the report, depending on the bureau’s policies and how recently the credit report was last obtained.

4. Review the Credit Report

Go through the credit report thoroughly checking for any inaccuracies—name and address misspellings are common—and make note of any open accounts that need to be paid with the estate or notified of the death. It’s a common misconception that all debts are automatically cleared when a person dies, but this isn’t the case, so it’s important to know what will still need to be taken care of. Make sure to be on the lookout for anything unusual–it could be a sign of suspicious activity.

5. Update Any Creditors and the Social Security Administration

The last step is to update the credit bureaus, any outstanding creditors and the Social Security Administration of the death. Until the credit bureaus are notified that a death has occurred, nothing happens to the credit report. Once the proper documentation has been submitted and the request made, the bureaus will mark the account as deceased.

This means that no further credit will be extended in the person’s name and no additional accounts can be opened up, which helps protect against identity theft and credit card fraud. The death certificate should be all that’s needed to complete this step.

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  • Janine McIver

    Very helpful information. Thank you.

  • http://credit.com Lori Goff

    My mom passed away on tuesday 9-4-12. She did not have a will nor can i afford to hire an attorney to file a brobate case. Is there still a way to get accesss to my mothers credit report with out executorship. i have death certificates soc security #’s birth certificates etc. I would think that should be all i need to prove that i am next of kin, this process is dificult and heart breaking enough. i hope someone can give me some direction to this matter

    • Gerri Detweiler

      Lori,

      I am so sorry to hear about your mother’s death. You can certainly try to request your mother’s reports using the documents you have. If you run into problems you should be able to get the documentation you need from the appropriate court – even without hiring an attorney. Your state bar association may offer a free publication on the probate process in your state that will explain how it works in your state.

    • empire95

      Lori, there’s no cost upfront to hire a probate atty, unless there’s a family dispute and you enter right into a litigation. But, opening probate requires very little work, a filing only, and if you’re only looking to be named administrator (no will) to obtain a credit report it’s done in a single hearing, you pay about 75- $100 for a bond in case there’s value in the Estate. Attorney’s only get paid if the Estate of the deceased yields value, it’s a small percentage.

  • sandy

    HOW CAN MY HUSBAND FIND OUT WHERE ALL HIS FATHER’S MONEY IS? HE PASSED AWAY NOV 24TH 2013 AND HIS SISTER CLAIMS HE HAS NOTHING. THERE WAS NO WILL BUT WE KNOW FROM ANOTHER FAMILY MEMBER THAT MY HUSBANDS DAD WAS A VERY WEALTHY MAN. HOW DOES MY HUSBAND GO ABOUT FINDING OUT THE TRUTH AND CLAIMING HIS SHARE OF HIS INHERIDENCE.

    • Credit.com

      Sandy – Unfortunately, legal issues involving family wills and inheritance questions are outside of our realm of expertise. We’d suggest contacting an attorney, preferably one familiar with inheritance disputes, for advice on this one.

  • Executor Efforts

    The credit agencies should support simplifying the process by allowing credit reports for the deceased to be done online, since they already support providing credit reports on line for the living. The Agency could easily query the Executor for their name & personal identification online, and verify that the same way they identify personal information for the deceased. By tying the information together, identity theft attempts would be prevented or could be traced. And this would make the executor’s duties much easier to manage. After all, a $12/hour loan agent can see your deceased CR but you, the Executor, cannot? ( without jumping through hoops)?

  • http://www.ekglaw.com Evan Guthrie

    This is very good practical information on how to get a deceased family member’s credit report. Getting an accurate report may help probate. Sometimes an attorney may have to step in and help if there are roadblocks in the way.

  • Josephine Parnes

    My Husband has been dead for 15 years. The Police department advised me to obtain a copy of his credit report to make sure there is no fraudulent activity on it (Identity theft). How can I get this? Thank you.

    • http://www.Credit.com/ Gerri Detweiler

      After 15 years it is very unlikely there is a report available. You can try the steps described in this article but I doubt you will be able to get one.

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