Notifying TransUnion After a Loved One’s Passing

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Need a Will or Trust?

Snug makes it easy to create a Will or Trust in under 20 minutes. Powers of Attorney and Health Care Directives are included for free with any Will or Trust, as is a year of free updates.

Need a Will or Trust?

Snug makes it easy to create a Will or Trust in under 20 minutes. Powers of Attorney and Health Care Directives are included for free with any Will or Trust, as is a year of free updates.

When a loved one passes away, one of the essential tasks to handle is notifying various organizations, including credit bureaus like TransUnion. This is an important step to prevent identity theft and to settle the deceased's accounts.

Who Should Be Notified

TransUnion is one of the major credit bureaus in the U.S., holding credit information for millions of consumers. If your loved one had any form of credit (credit cards, loans, etc.), it's critical to notify TransUnion of their passing to prevent fraudulent activities and to close their credit file.

When to Notify

You should notify TransUnion as soon as possible after the death of your loved one to prevent any potential misuse of their identity. This helps protect the deceased's estate and also prevents any further credit offers from being sent in their name.

How to Notify

To notify TransUnion of a death, you need to mail them a copy of the death certificate. The mailing address for TransUnion is P.O. Box 2000, Chester, PA 19016. Include a note stating that the individual is deceased and you want a "deceased alert" placed on their credit file.

What to Expect After Notification

Once TransUnion receives the death certificate, they will place a "deceased alert" on the credit file. This prevents new credit from being issued in the deceased's name. You can also request a copy of the deceased's credit report, which will show all accounts in their name and any outstanding debts.

Tips for Notification

When mailing the death certificate to TransUnion, it's best to send it via certified mail with return receipt requested. This gives you a record that your correspondence was received. Always send a copy of the death certificate, not the original, as you may need it for other notifications.

Conclusion

Notifying TransUnion of a loved one's passing is an important task to protect their estate and prevent identity theft. With a little organization and understanding, you can successfully navigate this process during a difficult time.

FAQ

Q: Do I need to notify all three major credit bureaus?
A: Yes, each of the three major credit bureaus (TransUnion, Experian, and Equifax) operates independently, so you need to notify each one separately.

Q: Can I notify TransUnion of a death online?
A: Currently, TransUnion requires notification of a death to be sent by mail, including a copy of the death certificate.

Q: What if I don't have a copy of the death certificate?
A: You can usually obtain copies of the death certificate from the county recorder's office or vital records office in the county where the death occurred.