If you're a parent, you might want to know how to get your minor child's credit report. There are many options. For example, you can call the credit bureaus to request copies of your child's credit reports. These bureaus include Equifax and TransUnion.
TransUnion
TransUnion credit reports should be checked if your child is less than 18 years of age. You can do this by asking for a copy or the Social Security card and birth certificate. The process of recovering identity stolen from an adult is the same. Identity theft can be hard to spot in children because it could take many years for the thefts to occur.
TransUnion credit reports for minors can be requested online or by post. You will need to provide your identifying information, and a form detailing your name and address. Each bureau has its own requirements, but it is very easy to follow. TransUnion can assist you once you have submitted the form.
It is a good idea to freeze any file your child has with a credit bureau. This will protect your child’s identity and keep others from using their credit. TransUnion will require proof of identity and authority to freeze a child’s file.
Equifax
Equifax can inspect your child's credit file and determine whether there are any pending accounts if they are under 18. Equifax searches its credit database to find instances where minors have used their social security numbers. If it finds such a record, Equifax will create a new credit file in the minor's name and lock it to prevent unauthorized access. If the file is accessed, Equifax will notify you.
You can also place a security freeze on your child's credit report, which will prevent anyone from accessing it without permission. It's free and protects your child against identity thieves. Just fill out this Equifax Minor Freeze Request form to place a credit freeze on your child. TransUnion and Experian offer minor freeze requests forms.
Experian
If you are a parent and you have a child that is under 18 years of age, you can request an Experian credit report for minors. This report will include information on credit accounts and payments made to your child. It may also include information about fraud and identity theft. It is crucial that you verify the accuracy of your report. If there are any errors, you can contest them.
Online, you can request your child’s credit report. Your child's full and accurate name, birth date, and current and historical address should be included. You may also want to include other relevant information, such as an employer or teacher. These details will allow you to identify any red flags, such as an employer or teacher.
Some lenders may not have access to a child's credit history. However, some banks and credit card companies do not require a minor to be at least 18 years old to receive a credit report. If you are a parent, and you want to keep your child credit safe, you may freeze their credit reports in many States.