You might be a parent and want to see your child's credit reports. There are many options. For example, you can call the credit bureaus to request copies of your child's credit reports. These bureaus are Equifax, TransUnion, Experian.
TransUnion
TransUnion credit reports are an excellent way to check the credit history of children under 18. You can do this by requesting a copy of the child's birth certificate and 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 reports for minors can be requested online or by post. This requires you to provide identification information. You also need to complete a form that includes your name, address, and phone number. The process is simple, although each bureau may have different requirements. TransUnion can help you once you have completed the application.
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 must be notified in writing to request the freezing of a child's account.
Equifax
Equifax can inspect your child's credit file and determine whether there are any pending accounts if they are under 18. Equifax will search the Equifax credit file for instances where the minor has used their social security number. 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.
A security freeze can be placed on your child's credit reports. This will stop anyone from accessing the report without your permission. It's easy and free. This will protect your child from identity theft. 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
If you are a parent and you have a child that is under 18 years of age, you can request an Experian credit report for minors. This report will include information on credit accounts and payments made to your child. This report could also contain information about fraud and identity theft. It is essential that you double-check the report to ensure accuracy. You can correct any errors found in the report.
Online, you can request your child’s credit report. Make sure to provide your child's full name, date of birth, and current and past address. It is also a good idea to include any relevant information, such a teacher or employer. These details can help identify red flags and alert you to potential wrongful accounts.
All lenders might not have access to the credit report of a child. 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.