Sorting practical things after someone dies can feel like a lot. Here’s a gentle guide to what you can do next.
Viewing their credit report For privacy and security, we can’t give access to someone’s ClearScore account, even if you hold a Letter of Executorship or Administratorship.
The best way to view a loved one’s credit file is to contact the credit bureaus, Experian, TransUnion, and XDS, directly.
Reporting a death to the credit bureaus The credit bureaus are usually told about a death by Home Affairs. Once they’ve been told, they’ll add a ‘Deceased’ indicator to the person’s credit report.
A ‘Deceased’ indicator helps prevent identity fraud. It also lets organisations know they shouldn’t open new credit in that person’s name.
There can sometimes be a delay. If you’d like to contact the credit bureaus yourself, you can use the contact details on their websites:
- Experian: use the chatbot or email eza.consumer@experian.com
- TransUnion: contact TransUnion
- XDS: contact XDS
What you’ll usually need The credit bureaus may ask you for:
- The person’s full name, date of birth, ID number, and last known address
- A copy of the death certificate
- Proof that you’re authorised to act, such as a Letter of Executorship or Administratorship
Closing a ClearScore account To close a ClearScore account for someone who’s passed away, click the messenger icon in the bottom-right corner to contact us.
Let us know it’s about a bereavement. We’ll explain what we need and guide you through it as simply as possible.