How to Obtain a Credit Report for Someone Who Has Died

Even when a person is deceased, their credit report will continue to exist until the credit reporting agencies are notified of the individual's death. Upon the death of a spouse or other relative, it is important that the person responsible for the deceased's financial affairs contact the three main credit bureaus to let them know of the death. It is also wise to obtain a credit report to ensure that fraudulent activity has not taken place and also to investigate whether there are existing financial obligations that need to be handled.

Instructions

1

Obtain at least three copies of the original death certificate.

2

Write a letter to each of three nationwide credit reporting agencies--Equifax, Experian, TransUnion--to request a copy of the deceased's death certificate.

3

Include in the letter the deceased's name, Social Security number, date of birth, date of death and last address.

4

Include a copy of your driver's license or state identification card in the envelope with the letter, as well as a statement that describes your relationship to the deceased, or the executorship papers that appoint you as the person to handle his affairs.

5

Send each letter certified mail with return request.