How To Write A Letter Reporting Death To Credit Bureaus (& Why You Should)

Learn how to write a letter and report a death to the credit bureaus. Also, discover why you need to report a death & what happens if you don't.

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You need to include the name of the deceased, date of death, and their address in your letter. You also need to include your name and any documents proving the death (& your authority to report it). This is usually all it takes to report a death to the credit bureaus.

What should your letter to report death include? (& why write one)

When you write a sample letter to report a death to a credit bureau it should include:

  • The name of the deceased
  • Date of death
  • The deceased's address
  • Your name & phone number
  • Documents like the death certificate and proof of your relationship w/the deceased

Why is it important to report a death to the credit bureaus? If the deceased is an authorized user or spouse on your credit report, you need to remove them. What can happen if you don't? It could lead to errors when lenders pull your credit report due to inaccurate information.

What if a deceased person is showing on your credit report and the letter doesn't remove them?

If you write a letter to the credit reporting agency — and the deceased isn't removed from your report — further action is required. What's your next step? The best way to remove inaccurate items from your credit report is with a dispute.

You could file the dispute on your own, but it's time-consuming (& tricky). An easier way? Hire an expert — like Credit Glory — to help you with the dispute process.

How to dispute any inaccurate item on your report (& how a pro can help)

Here's how you can dispute inaccurate items on your own (& why it's no cakewalk):

Step 1: Check your credit report for inaccurate items

Disputing negative items starts with identifying inaccurate reporting. Wondering how to find errors? Look at the detailed info for negative items from all 3 credit reports. Sound like too much work? An expert like Credit Glory quickly finds mistakes, making the process a breeze.

Step 2: Write a dispute letter

There are several options for drafting a dispute letter. You can start from scratch — or find a template online. The tricky part is finding a legit template — especially when Google gives over 74 million search results! On the other hand, a partner like Credit Glory handles this for you, removing the headache.

Step 3: Collect supporting docs

If you can find a legit sample letter, you need to clearly state your name, address, and what you are disputing. Then collect all relevant documents to support your claim. The catch? Make sure you send copies — not originals. Optionally, Credit Glory makes this easier, knowing exactly what to send (& where to send it).

Step 4: Wait for a decision

If you manage to write a letter, compile the documents, and find out where to send your letter — the last step is waiting for results. Assuming you did everything perfectly, the dispute results are sent to you in writing. The result? After a long wait — sometimes months — the record may be removed. If you let Credit Glory help, you have access to support throughout the whole dispute process.

What's your easiest way to find (& dispute) any inaccurate items: DIY or w/help from Credit Glory?

Handling the dispute process on your own is tedious and time-consuming. An easier way? Let Credit Glory — a dispute expert — handle the whole process (saving you time & money).

Choosing Credit Glory for help with your dispute provides:

  • A tested dispute process - Credit Glory uses a refined dispute process, with success removing negative items.
  • Unmatched 100% Money-Back Guarantee - Qualify for a full refund if Credit Glory can't remove inaccurate negative items in 90-days.
  • Best-in-class customer support - Disputes are generally complicated and involve waiting. Credit Glory beats DIY by a mile providing access to comprehensive customer support.

Remove all inaccurate items from your report w/help from Credit Glory!

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.

Call us at (855) 938-3044 or set up a consultation to get started, today!

Why choose Credit Glory?

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Accurate as of October 28th, 2020

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