How to Separate a Deceased Spouse From Credit Reports
If you have recently lost your spouse, you will need to take steps to secure your credit rating as soon as possible. Begin by removing your spouse from your credit report. While some debts may be waived following a spouse's death, keep in mind that you may still be obligated to pay some of your spouse's debt.
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Instructions
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Contact the three credit bureaus (Equifax, Experian and Trans Union) in writing to inform them of your spouse's death. The letter should include both of your Social Security numbers and full names, an email address, the date of death and a copy of the death certificate.
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Have each credit bureau put an alert on the account so that you can be notified if anyone tries to open an account in your spouse's name. You may also request your spouse's credit report for your records.
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3
Contact all of your spouse's credit card companies and inform them of your spouse's death. They will inform you of any additional steps that you need to take.
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Understand that with any joint account, you are still responsible for paying off the debt. Continue to make all payments on time. Credit card companies cannot close joint accounts because of the death of a spouse, however, they will allow you to open a new account in your name.
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For any cards issued solely in your spouse's name, contact the credit card companies and request that they close the account.
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Tips & Warnings
If you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin), all of your spouse's accounts will be considered jointly owned.
