You may want to find out how to get your minor children's credit report if you are a parent. There are several options available to you, including contacting the credit bureaus to ask for a copy of your child's report. These bureaus are Equifax (TransUnion), Experian and TransUnion.
TransUnion
You should verify the TransUnion credit reports of your child under 18 years old. You can do this by asking for a copy or the Social Security card and birth certificate. The process for recovering identity theft is similar to one that an adult goes through. Identity theft is more difficult for children than adults. It could take several years for it to happen.
You can request a minor's TransUnion credit report online or by mail. To request a TransUnion credit report for a minor, you will need to provide some identifying information. Also, you will need to fill out a form with name and address. There are different requirements for each bureau, but the procedure is easy. TransUnion is available to assist you after you have filled out the form.
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 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 the Equifax credit database looking for instances in which the minor's social insurance number was used. Equifax will search for such records and create a credit file in the minor’s name. Equifax will lock it to prevent unauthorised access. If the file has been accessed, Equifax will notify both you and the minor.
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. To place a security freeze on your child' credit report, simply fill out the Equifax Minor Freeze Request Form. TransUnion offers a minor freeze request form. Experian is also available.
Experian
An Experian credit report can be requested by parents if they have a minor child. 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 vital that you confirm the accuracy of this report. You can correct any errors found in the report.
A simple online form allows you to request your child’s credit history. 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.
Lenders may not be able to access a child's credit file. 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.