Avoid ID theft of deceased’s information - Ahwatukee Foothills News: Money

default avatar
Welcome to the site! Login or Signup below.
Logout|My Dashboard

Avoid ID theft of deceased’s information

Font Size:
Default font size
Larger font size

Related Stories

Posted: Tuesday, June 26, 2012 9:46 am

Dear Debt Adviser: My father died in 2011, and my mother is the surviving spouse. There are no court papers showing her as the executrix — nothing but his will. Would that be sufficient to send along with the death certificate and information to have a “do not issue credit” flag put on his credit file? — Wanda

Dear Debt Adviser: How does a family member put a freeze on the credit reports of a dead parent or child so identity thieves cannot access their Social Security number? — Roger

Dear Wanda and Roger: Your questions are important ones that will be faced by many of us at one time or another. Typically, that time is one of high emotion and grief. Those left behind and in charge are usually busy. This kind of upheaval gives identity thieves the opportunity to take advantage of a temporary opening in the system and steal a dead person’s identity. As disgusting as it sounds, it happens every day.

It’s a wise move to place a credit freeze on a deceased family member’s credit file. And while finding the time to deal with a potential credit issue can easily be put on a back burner, it’s important to take a few simple steps sooner rather than later. A recent survey by ID Analytics revealed that each year the identities of nearly 2.5 million Americans who have died are used to apply for credit.

The Identity Theft Resource Center is a nonprofit organization that specializes in helping people avoid identity theft and how to deal with it once a theft takes place. They have a detailed guide at IDTheftCenter.org.

Start by requesting a copy of your family member’s credit report. A spouse or executor/executrix should request the credit reports. You will likely need to provide certified copies of the death certificate and proof that you are the executor. Each credit bureau has specific instructions about ordering reports of dead family members. Review the reports to make sure they do not contain any fraudulent accounts.

The bureaus will send you instructions for placing a notice on the credit file that the person is deceased, adding a security alert and/or adding a specific “don’t issue credit” statement. You will need to send most of the requests to the credit bureaus by mail. I suggest you send everything by certified mail with a return receipt for your records.

Should your deceased loved one turn out to be a victim of identity theft, notify the credit bureau and request the credit report be flagged with a fraud and deceased alert. Next, notify your local police department so it can issue a police report of the crime. Then notify the creditor or collector that the account is fraudulent, as your family member is dead. You will need to provide a copy of the death certificate. What can cause additional grief is if the identity thief involves a family member. As a family, you will need to determine what, if any, legal action to take.

Another issue survivors encounter is the myriad credit offer mailings that are sent out on a frequent basis. Credit bureaus automatically update records with periodic reports from the Social Security Administration. When the update is made, the deceased’s credit history will be flagged, and his or her name will be removed from any preapproved credit offer mailing lists.

• Steve Bucci, author of “Credit Management Kit for Dummies,” works with InCharge Debt Solutions, a nonprofit organization in Orlando, Fla. E-mail him at debtadviser(at)bankrate.com.

More about

More about

More about

  • Discuss

Queens Road Where Driver Killed 13-Year-Old Girl Is Slated for Safety Fixes in 2017

Max Rivlin-Nadler A A On Monday morning, 13-year-old Jazmine Marin was killed while walking to school in Ozone Park. A 55-year-old man, drivin…

Published: October 25, 2016 - 1:30 pm @ http://www.villagevoice.com/news/queens-road-where…

Pathologizing Trump Is Satisfying

Melissa Gira Grant A A "We have all experienced the patriarch," writes the celebrated author and activist Sarah Schulman in her new book, Conf…

Published: October 25, 2016 - 1:29 pm @ http://www.villagevoice.com/news/pathologizing-tru…

Vegan, Vegetarian Diets For Weight Loss

advertisement Find more information on Dr. Weil and integrative medicine. DrWeil.com The premiere resource for in-depth, timely, trustworthy i…

Published: October 25, 2016 - 12:42 pm @ http://www.drweilblog.com/home/2016/10/25/vegan-ve…

Film Independent Announces Filmmakers Selected For 2016 Producing Lab

Film Independent has announced the producers selected for its 16th annual Producing Lab. Participating with a project they’re in the process o…

Published: October 25, 2016 - 12:30 pm @ http://www.indiewire.com/2016/10/film-independent-…

Meet New York City's Most Powerful Bureaucrat

Ross Barkan A A Ramon Martinez, the City Council's immortal man, has a lesson for the elected officials he out-earns and ultimately outclasses…

Published: October 25, 2016 - 12:29 pm @ http://www.villagevoice.com/news/meet-new-york-cit…

Hack the Vote

The news has been rife with headlines about voting hacks, with the FBI revealing that state voter registration databases have been compromised…

Published: October 25, 2016 - 12:27 pm @ https://www.solutionary.com/resource-center/blog/2…

Will Sky Harbor's Terminal 3 become the new Terminal 4?

The first phase of Terminal 3's remodel at Phoenix Sky Harbor International Airport is nearing completion.

Published: October 25, 2016 - 12:11 pm @ http://www.bizjournals.com/phoenix/news/2016/10/25…

This is America, 2016: Confessions from the campaign trail

Updated 2:01 PM ET, Tue October 25, 2016 Chat with us in Facebook Messenger. Find out what's happening in the world as it unfolds. We've spent…

Published: October 25, 2016 - 11:50 am @ http://www.cnn.com/2016/10/25/politics/election-20…


ahwatukee.com on Facebook


ahwatukee.com on Twitter


Subscribe to ahwatukee.com via RSS

RSS Feeds


Most Popular

Online poll