![]() This link also contains instructions for your minor child ages 14 – 17 to request his or her own credit report. Experian will allow parents and guardians to check for the existence of a credit file for children under 13: (If you are not the minor’s parent, also include a copy of your guardianship documents.)ģ. a copy of your driver’s license, government issued identification card, etc.) to: Transunion, Attention: Child ID Theft, P.O. To request this free service, send: a copy of the minor’s birth certificate a copy of the minor’s Social Security card and proof of your identification (i.e. And you do not have to request its removal, because the suppression will expire the month that the minor is set to turn 18. Proof of minor Social Security and birth certificate received.” When Transunion suppresses the credit report, it also blocks creditors from obtaining your minor child’s credit report. If you send a request to Transunion with the required documents, they will place a credit suppression message in your child’s credit file, as follows: “This consumer is a minor. This is a free service you can request for your minor children. Transunion also has a minor credit suppression option. Transunion allows you to check for the existence of a minor’s credit file using this form: If there is no credit file in existence, that is good news – but you may want to check back regularly to make sure no file has been created.Ģ. This option only requires a plain copy of the minor’s birth certificate, and requires Equifax to check for the existence of a credit file and report back to you. Alternatively, you can report to Equifax that you believe your child’s information may have been used to obtain credit. You can request a freeze for your minor child using the following process, with certified copy of your child’s birth certificate. Here’s what each of the three credit bureaus will allow you to do with your kids’ credit files:Ī. But there are still options to get control of your children’s data and credit files. So for those of us who live in Minnesota, we have a more complicated and less effective process. Minnesota does not currently have a law allowing parents to freeze their kids’ credit. ![]() Our neighbors in Wisconsin have a state law that does allow parents/guardians to freeze kids’ credit reports, hence Wisconsin residents have access to a process to request that a credit file be created for a minor (if one doesn’t already exist) and then frozen. Unfortunately, there is no federal law currently allowing parents/guardians to freeze credit reports for minors. But that’s not a hard-and-fast rule, and you may want to find out if your minor children have credit files established, and take control of those file, if you can. Theoretically, there should be no credit files in existence at Equifax, Transunion, or Experian for children ages 13 and under, unless they have already been the victim of fraud.
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