How to Get Credit Reports for the Deceased

by Danielle Enderson ; Updated June 13, 2017
A man is at his work station.

There are several reasons to request a copy of a deceased person’s credit report. The spouse of the deceased person may need the report for financial planning purposes or to identify any fraudulent activity. An estate executor will need a copy of the deceased person’s credit report to settle the estate. The Fair Credit Reporting Act of 1970 limits who has access to credit reports. As a result, obtaining a credit report for the deceased may seem like a daunting process. However, the spouse of the deceased and the executor of the estate are entitled to view the deceased person’s credit report as long as they can furnish proof of their right to view it.

Step 1

Obtain the contact information from the three credit bureaus:

Equifax P.O. Box 740256 Atlanta, GA 30374

Experian P.O. Box 9554 Allen, TX 75013

TransUnion P.O. Box 6790 Fullerton, CA 92834

Step 2

Write a detailed letter to each credit bureau explaining you would like a copy of the deceased person’s credit report.

Step 3

Provide information about the deceased person, and proof of his identity and death. Include the deceased person’s full name, most recent address, date of birth, Social Security number and a copy of the death certificate.

Step 4

Provide proof of your right to receive the deceased person’s credit report. If you are the spouse of the deceased person, include a copy of your driver’s license or other government-issued identity card and a current utility bill for proof of your address. If you are the executor of the deceased person’s estate and not the spouse of the deceased, also provide a copy of the executorship papers.

About the Author

Danielle Enderson has been working as a writer since 1994. Her published work can be found in various online publications and scientific journals including "American Journal of Respiratory and Critical Care Medicine" and "European Respiratory Journal." She holds a Master of Public Health with a concentration in epidemiology from SUNY Albany and works as a writer/researcher for a top medical school.

Photo Credits

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