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Follow these steps for notifying the credit bureaus of a family member's death: 1. Request copies of the death certificate. You will send these to the credit bureaus (as well as any creditors that the deceased may have, that are still unaware of the death).
Estate executors or court-appointed designees, however, are encouraged to contact at least one of the three nationwide credit bureaus so that the deceased's credit report can be flagged, appropriately.
Generally, a credit report says you are deceased in error because a credit bureau, a credit card company, a bank, or the Social Security Administration made a typo or have a computer glitch. The error gets attached to your social security number on your credit report which does damage to your credit scores.
Write a letter to one of the nationwide credit reporting agencies. Whichever agency you contact ? TransUnion, Equifax or Experian ? will then notify the other two on your behalf. Along with a copy of the death certificate, please also include the following for the deceased: Legal name.
If you are a consumer reading this, it is because you have been told or learned that one or more of your credit reports has a deceased indicator on it. That means you were mistakenly reported dead when it comes to your credit. This is a big deal. These can also have high case values because it violates the law.