Sep
12
2012

Executor of an estate can obtain the deceased’s credit report

Dear Experian,

I am the personal representative for my brother’s estate. I’m trying to identify his active credit accounts so that I can compile a list of creditors for the estate. Is it possible for the estate executor to order a credit report for the deceased?

- NJN

 

Dear NJN,

We are sorry for your loss. You can obtain a copy of your brother’s credit report by mailing a request in writing along with a copy of the death certificate and proof that you are authorized to act on his behalf, such as a copy of a legal document with a court seal indicating you are the executor of the estate. Send the request to Experian, P.O. Box 4500, Allen, TX 75013.

When compiling the list of debts, keep in mind that not all creditors report to all of the credit reporting agencies, so it may be a good idea to request his report from Equifax and Trans Union as well. Even then, some creditors may choose not to report at all, so it is possible that he could have accounts that do not appear on a credit report.

Even if he has no outstanding balance with a creditor, please notify all that are reporting open accounts that he is deceased to help prevent fraud.

Thanks for asking.

- The “Ask Experian” team

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.