Deceased Person's Credit File

[tedney]

Hello Everyone!

As referenced in the thread title

, can anyone confirm what happens to a persons credit file after they die please?

Is the file deleted or what?

All comments welcome!

Thanks

tedney

[unclebulgaria67]

Not deleted.

 

When a Bank receives the death certificate, the account would be noted as a deceased account. The credit record would be updated with this. Entries could then still be made, for example when any debts were settled from the estate. The credit record would stay live and anything on it would drop off after 6 years as normal.

[Bazooka Boo]

AFAIK, the credit file (CRF) isn't closed automatically, but a 'deceased' marker is placed alongside it, so as to stop Identity fraud.

[Bazooka Boo]

The credit record would stay live and anything on it would drop off after 6 years as normal.

 

The CRF would be marked or flagged as soon as they are made aware of the death, it doesn't stay 'live' UB, no point.

[dx100uk]

What do they care...they're gone...

Can't effect anyone or anything now

 

Was their a reason for this enquiry other than you simply wanted to know???

 

Dx

[unclebulgaria67]

The CRF would be marked or flagged as soon as they are made aware of the death, it doesn't stay 'live' UB, no point.

 

According to Experian, the credit file will only be deleted aftet 12 months, IF the deceased marker is correctly applied. They keep credit files open for 12 months, enough for any creditors to have access to the information and to limit risk of identity fraud.

[tedney]

What do they care...they're gone...

Can't effect anyone or anything now

 

Was their a reason for this enquiry other than you simply wanted to know???

 

Dx

Thanks UB and BB. So, best to tell CRA's of death then?

Reason for asking is Mrs tedney died recently, and I am linked to some of her accounts. Slowly advising various organisations, but don't want to formally advise some just yet!

Thanks

t

[unclebulgaria67]

Thanks UB and BB. So, best to tell CRA's of death then?

Reason for asking is Mrs tedney died recently, and I am linked to some of her accounts. Slowly advising various organisations, but don't want to formally advise some just yet!

Thanks

t

 

Sorry to hear that. Yes you can advise CRA's, but it should not be necessary, as the Bank should do this as part of the process, when closing or amending accounts.

[dx100uk]

aw tedney...you kept that one quiet..

 

 

there a new system in place that is sort of a one stop shop for everything like this

sure it was publicised here the other day.

Edited August 3, 2017 by Andyorch
editing

[AndyOrch]

On behalf of CAG please accept our condolences Tedney.

 

You are not at liberty to inform any CRAs of death.....this is naturally updated by the creditors.As for any agreements were you are linked then just carry on payment as normal....no need to inform them either.

 

Regards

 

Andy

[Ethel Street]

there a new system in place that is sort of a one stop shop for everything like this

sure it was publicised here the other day.

 

There's one called 'Tell Us Once' that you are offered when you register a death, but it only advises central and local government organisations so it wouldn't help with advising CRAs.

 

https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once

 

Is there one that notifies other organisations? I haven't come across one.

[dx100uk]

that's the one!!

saw it on a recent consumer program.

that's all you need to do

creditors etc don't need informing

[Bazooka Boo]

Sorry to hear your awful news Tedney.......

[Guest]

Is there one that notifies other organisations? I haven't come across one.

there is one that can also notify, but that is re things like (subscribers) marketing etc. (bereavement register)

 

as has been posted, a bank will (should) update a cra file. as they get the formal probate/letters/death certificate.

 

condolences tedney.

[Ethel Street]

there is one that can also notify, but that is re things like (subscribers) marketing etc. (bereavement register)

 

as has been posted, a bank will (should) update a cra file. as they get the formal probate/letters/death certificate.

 

Hadn't come across it before. I can see it would be useful for an Executor, although its scope is quite limited, basically just removes the name of the deceased from junk mail lists. I wonder how effective it is? Apparently it relies on junk mailers (sorry 'direct marketing companies') checking the bereavement register themselves - the register doesn't proactively send out the details to DM companies. So presumably if they don't check it junk mail continues.

 

https://www.thebereavementregister.org.uk/

[honeybee13]

From experience,Ethel, the Bereavement Register works well.

 

HB

[Guest]

as seen here, the main cred ref agencies are subscribers to auto notification of a deceased;

https://www.gov.uk/government/publications/disclosure-of-death-registration-information-how-to-apply/disclosure-of-death-registration-information

[Ethel Street]

By chance I just came across another website, the Deceased Preference Service. It does the same as the Bereavement Register for junk mail but has some extra stuff it does too, mostly optional extras.

 

http://www.deceasedpreferenceservice.co.uk/index.html

[Ethel Street]

By chance I just came across another website, the Deceased Preference Service. It does the same as the Bereavement Register for junk mail but has some extra stuff it does too, mostly optional extras.

 

http://www.deceasedpreferenceservice.co.uk/index.html

 

Sadly I had to register a death this week and one of the bits of paper the Registrar gave me was a leaflet for the Death Preference Service, with a recommendation from the County Council Registrar's dept to use it. No idea why this one rather than The Bereavement Register.