How to get a free credit report for probate

If you are an executor or administrator of an estate, one of your primary jobs is to pay the debts of the deceased. Since many individuals don’t make tidy lists of all their debts, you may have to do some digging. A credit report is a great resource.

Every person is entitled to one free credit report from each of the credit reporting agencies. To obtain the free credit report, visit the Free Annual Credit Report Site.

Some debts may not appear on the credit report, but it will cover most of them. Most importantly, you will be able to show the court that you did your duty in uncovering the deceased’s debts.


How to get free credit reports

If you want immediate results, sign up for a "free" credit report from any one of the agencies listed below. The service is free for anywhere from seven to 30 days, after which you’ll be charged. While you have access, print or download a complete list of the deceased’s credit cards, bank loans, car loans, etc. Once you’ve made a record of the debts, you won’t need any further reports and can cancel the subscription.

Here are the websites for the credit agencies:

Once you have the credit report, make sure to inform the credit agencies of the deceased’s death so no new credit can be placed on their identity.