PREVENTING DECEASED
IDENTITY THEFT
GHOSTING
ADVOCATE TIPS
Suppressing credit files and notifying companies of the
deceased passing is protecting your loved ones ident...
OBTAIN COPIES OF
DEATH CERTIFICATE
These can be obtained for a nominal fee from the funeral
home ,hospice or from The Cent...
COMPANIES TO NOTIFY
INSURANCE COMPANIES
 Health Insurance
 Credit Card Insurance
 Life Insurance
 Auto Insurance
 Employers or Pension In...
DEPARTMENT OF
MOTOR VEHICLES
 Cancel the driver’s license or identification card on
record.
 Cancel disabled placards or...
MEMBERSHIPS
 Museum / Entertainment
 Health Club
 Professional Associations and Unions
 Alumni Clubs
 Rotary, Kiwanis...
UTILITY COMPANIES
 Gas and Power Company
 Phone Company
 Cable Services
 Other__________________
NOTIFY THE SOCIAL
SECURITY ADMINISTRATION
To ensure the death is reported promptly, a family member
can make a report dire...
INTERNAL REVENUE
The person who files the return must enter Deceased, the
deceased taxpayer's name, and the date of death ...
CREDIT REPORTING
AGENCIES
CONTACT CREDIT
REPORTING AGENCIES
Send (certified mail receipt required) a copy of death
certificate, and proof of executo...
SUPPRESS CREDIT
FILES
 Request that a statement of “Deceased. Do Not Issue Credit”
be placed on the deceased’s credit rep...
POSTAL SERVICE
If the Deceased’s residence is unoccupied, have their mail
held at the post office or make sure to retrieve...
PERSONAL RECORDS
Destroy identification and unnecessary documents.
If you dispose of the Deceased’s identification and oth...
ELECTRONIC PROPERTY
If you plan to dispose of the Deceased’s computer, make
sure to destroy the hard drive first because h...
DIGITAL PROPERTY
Google (gmail)
Hotmail
Yahoo:1-408-349-3300
Facebook
MySpace:1-310-917-4923
PayPal:1-888-221-1161
...
DIRECT MARKETING
ASSOCIATION
The information on this list is updated and sent to DMA
member companies each month—and they ...
FINANCIAL INSTITUTIONS
If you were a co-signer or had a joint account with
the deceased, you must notify the Bank or other...
IDENTITY THEFT
If you find identity theft has occurred, begin with the
following steps:
• File a police report
• Provide e...
SCAMMERS WATCH
OBITUARIES
Include minimal information in the obituary. Giving out too
much information, including exact bi...
DOCUMENT CHECK LIST
Death
Certificate
Provided
Y/N
Creditor Account / Reference
Number
Contact Number Mailing Address
RESOURCES
Debts and Deceased Relatives
Shopping for Funeral Services
COMPANY NAMES MENTIONED HEREIN ARE THE PROPERTY OF, AND MAY BE
TRADEMARKS OF, THEIR RESPECTIVE OWNERS AND ARE FOR EDUCATIO...
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Preventing Deceased Identity Theft

Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free service for consumers to assist families with protecting the deceased from identity theft. Stay Safe, Stay Secure *Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Published on: Mar 4, 2016
Published in: Education      
Source: www.slideshare.net


Transcripts - Preventing Deceased Identity Theft

  • 1. PREVENTING DECEASED IDENTITY THEFT GHOSTING
  • 2. ADVOCATE TIPS Suppressing credit files and notifying companies of the deceased passing is protecting your loved ones identity from crooks that will not hesitate to use it for financial and/or criminal gain. Be aware of any credit activity and respond accordingly. Being prepared will reduce the undue emotional stress of dealing with Deceased Identity Theft. If necessary consult a licensed estate attorney – Even if you decide not to hire one
  • 3. OBTAIN COPIES OF DEATH CERTIFICATE These can be obtained for a nominal fee from the funeral home ,hospice or from The Centers for Disease Control and Prevention You will need multiple copies • Only send original copies to financial accounts, send photo copies to other creditors if possible. Keep a detailed list of each company or creditor that you provide a Death Certificate
  • 4. COMPANIES TO NOTIFY
  • 5. INSURANCE COMPANIES  Health Insurance  Credit Card Insurance  Life Insurance  Auto Insurance  Employers or Pension Insurance
  • 6. DEPARTMENT OF MOTOR VEHICLES  Cancel the driver’s license or identification card on record.  Cancel disabled placards or license plates issued to the deceased  Transfer Vehicle Registrations, if needed  Transfer vehicle ownership of titles, if needed
  • 7. MEMBERSHIPS  Museum / Entertainment  Health Club  Professional Associations and Unions  Alumni Clubs  Rotary, Kiwanis, Lions, Veterans’ organizations and clubs
  • 8. UTILITY COMPANIES  Gas and Power Company  Phone Company  Cable Services  Other__________________
  • 9. NOTIFY THE SOCIAL SECURITY ADMINISTRATION To ensure the death is reported promptly, a family member can make a report directly to an SSA representative by calling SSA toll-free, 1-800-772-1213 (TTY 1-800-325-0778), between the hours of 7:00 a.m. and 7:00 p.m. Monday through Friday. www.ssa.gov/ww&os1.htm
  • 10. INTERNAL REVENUE The person who files the return must enter Deceased, the deceased taxpayer's name, and the date of death across the top of the return. The surviving spouse or personal representative should promptly notify all payers of income, including financial institutions, of the taxpayers. This will ensure the proper reporting of income earned by the taxpayer's estate or heirs. A deceased taxpayer's social security number should not be used for tax years after the year of death, except for estate tax return purposes. http://www.irs.gov/uac/Telephone-Assistance
  • 11. CREDIT REPORTING AGENCIES
  • 12. CONTACT CREDIT REPORTING AGENCIES Send (certified mail receipt required) a copy of death certificate, and proof of executorship or marriage to each agency. Experian P.O. Box 2002 Allen, TX 75013 888-397-3742 TransUnion LLC P.O. Box 2000 Chester, PA 19022 Equifax P.O. Box 740260 Atlanta, GA 30374 800-685-1111
  • 13. SUPPRESS CREDIT FILES  Request that a statement of “Deceased. Do Not Issue Credit” be placed on the deceased’s credit report.  List a phone number of either the surviving spouse or the executor to be notified regarding any attempts for credit.  Request a copy of the deceased’s credit report to determine what credit accounts are reported as still open. • The credit report should also list the addresses of the creditors. In the request for the credit report, include the following information on the deceased: • Name • Social Security Number • Last address • Date of birth • Date of death
  • 14. POSTAL SERVICE If the Deceased’s residence is unoccupied, have their mail held at the post office or make sure to retrieve it periodically. Instead of contacting the businesses individually, you may complete a forwarding address request at your local post office. Access USPS.com to stop junk mail addressed to the deceased.
  • 15. PERSONAL RECORDS Destroy identification and unnecessary documents. If you dispose of the Deceased’s identification and other sensitive materials, make sure to destroy them, not just throw them out or recycle them. Shred it! If you plan to keep them, store them safely. • Passports • Expired Drivers Licenses • Military ID’s • Marriage Licenses • Property Titles and records • Birth Certificates
  • 16. ELECTRONIC PROPERTY If you plan to dispose of the Deceased’s computer, make sure to destroy the hard drive first because hard drives are never fully erased. If you’re gifting the computer, it’s better to destroy the current hard drive and replace it with a new one. Remove the SIM Card from Smart Phone, restore to factory setting
  • 17. DIGITAL PROPERTY Google (gmail) Hotmail Yahoo:1-408-349-3300 Facebook MySpace:1-310-917-4923 PayPal:1-888-221-1161 LinkedIn Twitter:1-415-222-9670 Domain registration Web hosting accounts Online stores Software licenses
  • 18. DIRECT MARKETING ASSOCIATION The information on this list is updated and sent to DMA member companies each month—and they are required to honor it—so you should see a decrease in mail from these companies within three months. This information is also provided to some companies that aren't DMA members. So most marketers have the opportunity to remove the deceased individual's name from their mailing lists. Deceased Do Not Contact Registration
  • 19. FINANCIAL INSTITUTIONS If you were a co-signer or had a joint account with the deceased, you must notify the Bank or other Financial Institutions of the death. For joint accounts “with the right of survivorship” the survivor owns all of the money in the account, but you still must notify the bank of the death. Request Banks or Credit Unions to look for: • Checking accounts • Saving accounts • List of safe deposit boxes, where to find keys, and names of authorized users
  • 20. IDENTITY THEFT If you find identity theft has occurred, begin with the following steps: • File a police report • Provide evidence of the fraud, like a collection notice, other bills or a credit report Notify the creditor by certified mail • If fraud is being committed against a deceased person • Request “Letters of Clearance” for the fraudulent debt • Only include a copy of the death certificate, if requested
  • 21. SCAMMERS WATCH OBITUARIES Include minimal information in the obituary. Giving out too much information, including exact birth date, middle names and maiden names, can make it easier for thieves to impersonate the Deceased. A good rule would be to have the obituary ‘draft’ reviewed by a family member or close friend to help with not providing to much personal information. It may be difficult to remove PII once it’s placed on the internet.
  • 22. DOCUMENT CHECK LIST Death Certificate Provided Y/N Creditor Account / Reference Number Contact Number Mailing Address
  • 23. RESOURCES Debts and Deceased Relatives Shopping for Funeral Services
  • 24. COMPANY NAMES MENTIONED HEREIN ARE THE PROPERTY OF, AND MAY BE TRADEMARKS OF, THEIR RESPECTIVE OWNERS AND ARE FOR EDUCATIONAL PURPOSES ONLY. COMPILED AND DESIGNED BY MARK FULLBRIGHT , CERTIFIED IDENTITY THEFT RISK MANAGEMENT SPECIALIST™ (CITRMS) AS A FREE SERVICE FOR CONSUMERS TO ASSIST FAMILIES WITH PROTECTING THE DECEASED FROM IDENTITY THEFT. STAY SAFE, STAY SECURE