It is crucial that you notify the credit reporting agencies and any other institution the deceased had financial records with.how to kibosh id thieving of person relatives

1. Get 12 copies of the official death certificate as soon as it’s available. You’ll need these 12 originals in order to provide proof to financial institutions such as banks and credit bureaus.

2. With the above originals begin notifying stock brokers, banks, loan holders, lien holders as well as mortgage companies of the death. You will have to transfer the account to an appropriate individual to handle any outstanding financial issues. Once this is done, place the account as closed due to death of account holder.

3. Contact all the credit reporting agencies and have them place a “deceased” alert on the credit file.

Until the financial institutions are alerted by the surviving relatives, the executor or the estate, legal representative or the Social Security Administration, the accounts of the deceased will remain active for up to 10 years.

The two legged kind skilled in creating identities in order to apply for loans, credit cards and other financial instruments. Of all kinds of criminals, to me, these come the closest to being ghouls.

If you follow these steps along with any other steps required by the institutions or your legal counsel, you will be better prepared to prevent any identity theft thief from abusing the good name of your departed loved ones.

Once they have the social security number from the database, they have to do a little bit of detective work. They’ll try and trace back to their collection of old newspaper obituary columns to find a match. Once they have a match, they will study as much as they can about the deceased in order to improve their chances of creating the fake identity.

e. Date of death

b. Last known address

They will steal death certificates, study the obituary column, or go to the many websites that provide them with the ability to search the Social Security Death Index database – for FREE! Don’t believe such a database exists? When you get a chance, go to this site and try it for yourself: http://ssdi.rootsweb.com/

To help you focus on the crucial things to do under these painful times, I’ve listed the following tips for you:how to kibosh id thieving of person relatives

To speed up the process, make sure you include all requested information in your correspondence. Also, keep copies of all correspondence with these institutions along with their response. For credit bureaus, ask for a detailed credit report with any active joint account that may need to be closed.

4. When contacting any of these institutions, include the following information:

c. Last 5 years of addresses

Since it takes time for financial institutions to get notified of the death of one of their account holders, this delay provides the ID thief with the necessary time to accomplish his goal. Some of the reasons why there is a delay is due to the normal grieving process and the bureaucratic delays inherent in the Social Security Administration. As of January, 2007 the Social Security Administration Death Master File is not accurate and is missing some new entries.

d. Date of birth

“What sort of ghoul would do such a thing?”

To an ID thief, an obituary column on the daily newspaper provides him with

a list of perfect candidates. They are all “perfect candidates” because most relatives

are too deeply in mourning to think about the potential threat posed by an obituary listing.

The threat, of course, is of identity theft.

One of the sad things that have come to light with this crime is that it is just not perfect strangers that steal the identity of deceased people. It is also family members who may take advantage of the situation. The chances of this being the case increase if the deceases suffered from mental confusion, a lengthy illness, or if there is lack of agreement among family members before death.

a. Name and SSN of deceased

Don’t be shocked nor confused by what I’m about to tell you. Most ID thieves would prefer

to assume the identity of a deceased person over a living person.

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