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Identity Theft – Checking Your Child’s Credit

April 12, 2017


Checking Your Child’s Credit Report

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.

Credit Reporting Agencies

You can also get your free credit reports and scores through

In our identity theft series, we’ll continue to answer questions and provide information about these issues:

What Can I Do?

  • Request a free copy of your medical records if medical information, such as diagnoses, procedure codes, and health insurance info, has been stolen.
  • You have the right to an attorney before you sign legal papers.
  • If you are offered credit checks, they are free on
  • Dispute errors in your credit report.
  • How long do you have to sue after discovering identity theft?


*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.

Author Photo

Flora Templeton Stuart

Flora Templeton Stuart is the lead attorney and founder of the law firm Flora Templeton Stuart For the Injured, established in 1976. She is a nationally recognized personal injury lawyer with over 40 years of experience. Her story has been featured on Fox, The New York Times, ABC, Time, and NBC.