The Guam Guide for Protecting Deceased Persons from Identity Theft is a comprehensive resource designed to assist individuals and organizations in safeguarding the identities of deceased individuals from potential fraudulent activities. This guide specifically addresses the unique challenges and risks associated with identity theft after the passing of an individual in Guam. It provides detailed information, strategies, and steps to prevent and mitigate the chances of unauthorized use of a deceased person's personal information. Key topics covered in the Guam Guide for Protecting Deceased Persons from Identity Theft include: 1. Understanding Identity Theft: This section provides an overview of identity theft, explaining the different types of fraud that can occur after someone's death. 2. Immediate Steps to Take: Here, the guide outlines the immediate actions that should be taken upon the death of an individual to protect their identity. This includes notifying relevant parties such as banks, credit bureaus, and government agencies. 3. Securing Personal Documents: This section emphasizes the importance of securing and safeguarding vital personal documents such as death certificates, social security numbers, and other sensitive information that could potentially be exploited by identity thieves. 4. Closing Accounts and Canceling Services: The guide provides a detailed process on how to close bank accounts, credit cards, and cancel other services (social media accounts, subscriptions, etc.) that may linger and be susceptible to unauthorized use. 5. Notifying Credit Bureaus: This section explains the significance of informing credit bureaus about a deceased person to prevent any unauthorized credit activity. It also offers guidance on how to request a security freeze or fraud alert to ensure the deceased person's credit file is monitored effectively. 6. Safeguarding Digital Footprint: In an increasingly digital world, this guide addresses the importance of managing and securing the deceased person's online presence. It advises on how to deactivate or memorialize social media accounts, review privacy settings, and remove personal information from online platforms. 7. Estate Planning and Executor Duties: The Guam Guide for Protecting Deceased Persons from Identity Theft highlights the role of executors in protecting the deceased person's identity and the necessary steps they should take during the probate process. Different versions or editions of the Guam Guide for Protecting Deceased Persons from Identity Theft may exist, with updates reflecting changes in legislation, technology, and best practices. These updates ensure that individuals and organizations have the most up-to-date information and tools to implement effective identity theft prevention strategies for deceased individuals in Guam.
Guam Guide for Protecting Deceased Persons from Identity Theft
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Contact banks, credit unions, credit card companies, and other financial institutions that hold accounts in your loved one's name, and notify those companies of your family member's death. This way, the system can flag any attempts to use the deceased person's identity via their financial accounts.
The IRS doesn't need a copy of the death certificate or other proof of death. Usually, the representative filing the final tax return is named in the person's will or appointed by a court.
Deceased family member identity theft, also known as ghosting, occurs when someone uses the personal information of a deceased person to commit fraud. This can include opening new credit accounts, applying for loans or making other financial transactions in the deceased person's name.
Follow these tips to reduce the risk of a deceased person from having their identity stolen: Send copies of the death certificate to each credit reporting bureau, asking them to put a ?deceased alert? on the credit reports. Review the deceased taxpayer's credit report for questionable credit card activity.
Identity thieves can strike even after death. An identity thief's use of a deceased person's Social Security number may create problems for family members. This type of identity theft also victimizes merchants, banks, and other businesses that provide goods and services to the thief.
Follow these tips to reduce the risk of a deceased person from having their identity stolen: Send copies of the death certificate to each credit reporting bureau, asking them to put a ?deceased alert? on the credit reports. Review the deceased taxpayer's credit report for questionable credit card activity.
Even after someone dies, it's still possible for criminals to use their information to illegally open credit cards, apply for loans, file fraudulent tax returns, and buy goods and services. In some cases, thieves intentionally steal the identity of someone who has died ? a practice known as ghosting.