States require executors to notify creditors, but the processes vary. The notice may consist of an official form mailed to creditors. The U.S. Social Security Administration (SSA) may notify the three major credit bureaus (Equifax, Experian and TransUnion), but it may be faster for the executor to do so.
An executor may choose to notify certain creditors directly, such as credit card companies and mortgage lenders, as a precautionary measure against credit card fraud and identity theft and to find out what the lender will require during probate.