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
TransUnion credit reports should be checked if your child is less than 18 years of age. To do this, you can request a copy your child's birth certificate as well as a Social Security card. The process of recovering identity stolen from an adult is the same. Identity theft is more difficult for children than adults. It could take several years for it to happen.
TransUnion credit information for minors is available online or via mail. This will require you to give identifying information as well as a form with your address and name. Each bureau has its own requirements, but it is very easy to follow. Once you have completed the form, you can contact TransUnion for assistance.
You should freeze the credit bureau credit file of your child. This will protect your child's identity, and stop anyone from accessing his or her 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. Equifax will search the Equifax credit database for instances where the minor's social security number has been used. Equifax will then create a new credit file under the minor's name, and lock it to prevent unauthorized entry. 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 is free and can help protect your child against identity thieves. You can request a Equifax Minor Freeze Form to secure your child’s credit report. TransUnion and Experian also offer a minor freeze request form.
Experian
You can request an Experian credit file for minors if you are a parent of a child under 18 years old. This report will give you information about your child’s credit accounts, as well as the payments that they made. This report may contain information on fraud or identity theft. It is vital that you confirm the accuracy of this report. You can correct any errors found in the report.
You can request your child's credit report by completing an online form. You must include your child's full name, birth date, current and past addresses. Other relevant information such as a teacher or employer may be added. These details will allow you to identify any red flags, such as an employer or teacher.
All lenders might not have access to the credit report of a child. Some banks and credit card companies don't require minors to be 18 years old in order to obtain a credit report. If you're a parent and want your child to have a safe credit history, you can freeze it in most states.