You might be a parent and want to see your child's credit reports. You have several options. Contact the credit bureaus and ask for a copy. These bureaus include Experian, TransUnion, and Equifax.
TransUnion
If your child is under the age of 18, you should check his or her TransUnion credit report. This can be done by asking for a copy the birth certificate and social security card of your child. The process is similar to that of recovering identity theft from an adult. Identity theft can be hard to spot in children because it could take many years for the thefts to occur.
TransUnion credit information for minors is available online or via mail. 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 help you once you have completed the application.
You should immediately freeze any credit bureau file that your child has. This will protect the child’s identity as well as prevent anyone from using their credit. TransUnion will require proof of identity and authority to freeze a child’s file.
Equifax
If your child is under the age of 18, you can request that Equifax check their credit file to see if they have any pending accounts. Equifax searches its credit database to find instances where minors have used their social security numbers. Equifax will create a brand new credit file for the minor if it finds one and lock it to prevent unauthorized access. If the file is accessed, Equifax will notify you.
You can also place security freezes on your child’s credit reports. This will prohibit anyone from accessing their credit report without your consent. It's completely free and will help protect your child's identity from identity thieves. Fill out the Equifax Minor Credit Freeze Request Form to put a security lock on your child's credit reports. TransUnion and Experian also offer a minor freeze request form.
Experian
A credit report Experian for minors can be requested by parents who have children under the age of 18. This report will provide information about the credit accounts of your child and any payments they have made. You may also find information about identity theft and fraud. It is important that you check the report for accuracy. You have the right to dispute any errors in the report.
You can request your child's credit report by completing an online form. It is important to include your child's full names, date of birth, current address, and past addresses. 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.
The credit report of a minor may not be accessible to all lenders. Some credit card companies and banks do not require that a minor be under 18 to get a credit file. If you are a parent and want to keep your child's credit safe, you can freeze their credit report in many states.