If your friend's wife was getting social security, once the Soc Sec office is notified of her passing, her number will be reported as of a deceased person. With that being said it does not hurt to have a warning placed on the three bureaus . With my 30+ years of underwriting credit requests, my wife and I plan on closing any joint accts upon one of us passing to further protect the survivor. Yes it's a lot of work but it's a lot less work than proving fraudulent charges aren't yours if you become a victim of ID theft. There are lots of scammers out there taking advantage of folks.
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