To check your child’s credit report, you must mail or fax documentation to the three major credit reporting agencies proving that you are their parent or guardian. This may include copies of the child’s birth certificate and Social Security card, your ID and a list of the last few addresses for the child. Each of the three major credit bureaus – Experian, Equifax and TransUnion – has its own process for checking a minor’s credit report. Check the individual credit union’s website, provided below, to get more details. It may be possible to freeze or lock your child’s credit to prevent identity theft. The methods differ for each credit reporting agency, so you would need to check with each one on its policies.
You can also get your free credit reports and scores through creditkarma.com.
In our identity theft series, we’ll continue to answer questions and provide information about these issues:
*Nothing on this website should be considered legal advice. This does not create an attorney-client relationship between you and the Law Firm of Flora Templeton Stuart.