When they die

Formal Notice Letter Generator

Customizable fill-in letter templates notifying banks, credit bureaus, Social Security, utilities, and creditors of the death.

Do this first

Send a written Notice of Death to the three major credit bureaus (Equifax, Experian, TransUnion) with a copy of the death certificate to prevent posthumous identity theft.

Loading the tool…

Plug-and-play notification letters

Use the generator below to create formal notices. Simply select the recipient type, confirm your details, and print or copy the text:

  • Notice to Bank / Financial Institution: Requests account freezing, asks for balance on date of death for tax basis step-up, and inquires about POD beneficiaries.
  • Notice to Credit Reporting Bureaus: Requests placing a deceased indicator on the credit profile to prevent fraudulent credit cards from being opened.
  • Notice to Unsecured Creditors: Informs credit card company of death, requests final statement, and instructs them to submit formal claims against the estate.
  • Cancellation of Subscriptions & Utilities: Cancels cable, internet, streaming services, and subscriptions without cancellation penalty fees.

Sources

  • Federal Trade Commission
  • Social Security Administration

Last reviewed: September 28, 2026