TransUnion Credit Freeze: How to Secure Your Credit After Death

In today’s digital age, identity theft doesn’t stop when a person passes away. In fact, deceased individuals are often prime targets for fraudsters looking to exploit unused Social Security numbers, open fraudulent accounts, or steal inheritances. One of the most effective ways to protect a loved one’s credit after death is by placing a TransUnion credit freeze. But how does it work, and what steps should you take to ensure their financial legacy remains secure?

Why a Credit Freeze Matters After Death

When someone dies, their financial accounts don’t immediately vanish. Criminals scour obituaries, public records, and even social media to gather personal details about the deceased. With enough information, they can apply for loans, credit cards, or even file fraudulent tax returns—all under the deceased’s name.

A TransUnion credit freeze (also known as a security freeze) locks down a credit file, preventing new creditors from accessing it. This means no one—including fraudsters—can open new accounts in the deceased’s name.

The Growing Threat of "Ghosting" Scams

A disturbing trend called "ghosting" has emerged, where criminals assume the identities of the deceased to commit fraud. According to the FTC, over 2.5 million deceased Americans have their identities misused each year. Without proper safeguards, grieving families may face financial chaos long after their loved one is gone.

How to Freeze a Deceased Person’s Credit with TransUnion

Freezing a deceased individual’s credit at TransUnion requires specific documentation and steps. Here’s what you need to do:

Step 1: Gather Required Documents

Before contacting TransUnion, collect the following:
- Death certificate (certified copy)
- Proof of executor status (if applicable, such as a court order or will)
- Your government-issued ID (to verify your authority)
- The deceased’s Social Security number

Step 2: Contact TransUnion

You can initiate a credit freeze in three ways:

Option 1: Online

• Visit TransUnion’s official website and navigate to the Deceased Fraud Victim section.
• Upload the required documents.

Option 2: By Phone

• Call TransUnion’s dedicated line for deceased individuals: 1-888-909-8872.
• Provide the necessary details and follow instructions.

Option 3: By Mail

Send a written request along with copies (not originals) of the required documents to:
TransUnion LLC P.O. Box 2000 Chester, PA 19016

Step 3: Notify Other Credit Bureaus

While TransUnion is a major credit bureau, you should also freeze the deceased’s credit with Equifax and Experian to ensure full protection.

Additional Steps to Secure a Deceased Loved One’s Finances

A credit freeze is just one layer of defense. Consider these additional measures:

1. Notify Financial Institutions

Contact banks, credit card companies, and investment firms to close or flag accounts.

2. Report to the Social Security Administration

The SSA should be informed of the death to prevent misuse of the deceased’s Social Security number.

3. Monitor for Suspicious Activity

Even after a freeze, check for any unauthorized transactions or new accounts.

Legal Protections and Rights

Under the Economic Growth, Regulatory Relief, and Consumer Protection Act, credit freezes are free nationwide. Executors and immediate family members have the right to request a freeze on behalf of the deceased.

Final Thoughts

Losing a loved one is hard enough without the added stress of financial fraud. By taking proactive steps—like placing a TransUnion credit freeze—you can safeguard their legacy and prevent criminals from exploiting their identity. Stay vigilant, act swiftly, and ensure peace of mind for both the departed and those they leave behind.