You might be a parent and want to see your child's credit reports. You have many options. One is to contact the credit bureaus to request a copy of your child’s credit report. These bureaus are Equifax, TransUnion, Experian.
TransUnion
You should verify the TransUnion credit reports of your child under 18 years old. This can be done by asking for a copy the birth certificate and social security card of your child. This process is very similar to the one used to recover identity theft from an adult. Identity theft is more difficult for children than adults. It could take several years for it to happen.
TransUnion credit reports are available online and via mail to minors. To do this, you must provide identifying information and submit a form with your name and address. Although there are specific requirements for each bureau's application, the process is straightforward. TransUnion can help you once you have completed the application.
You can freeze a credit file for your child that is held by a bureau. This will protect your child’s identity and keep others from using their credit. TransUnion must be notified and you must provide evidence of authority and identity to place a freeze on a child's file.
Equifax
Equifax will check your credit file if your child is younger than 18 years. 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. Additionally, Equifax will inform you if the file was accessed.
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 free and protects your child against identity thieves. You can request a Equifax Minor Freeze Form to secure your child’s credit report. TransUnion and Experian offer minor freeze requests forms.
Experian
You can request an Experian Credit Report for Minors if your child is less than 18 years old. This report will contain information about credit accounts and payments made by your child. You may also find information about identity theft and fraud. It is important that you check the report for accuracy. If you discover any errors, you have the right of appeal.
By completing an online request, you can obtain your child's credit score. Make sure to provide your child's full name, date of birth, and current and past address. You might also include information about your employer or teacher. These details will help you spot any red flags before a wrongful account appears.
Some lenders may not have access to a child's credit history. However, not all banks and credit cards companies require that minors be at least 18 years of age to obtain credit reports. You can also freeze your child's credit report in many states if you are a parent who wants to protect their credit score.