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Credit reports and scores

Should I request credit reports for my children?

Credit reports are not established at a certain age. Children may have a credit report because they are listed as authorized users or joint account holders on an adult’s account, or any time a credit account is reported by a lender for that individual. Or your child may have a report because he or she is a victim of identity theft.

Usually, minors may request a copy of their credit report once they reach age 13. Adults may request their children’s credit reports upon providing documentation demonstrating they are the child’s legal guardian.

Child identity theft is a growing problem. Identity thieves target children’s Social Security numbers because they have no credit blemishes and because their fraudulent activity may go unchecked for years. Possible red flags that your child is a victim of identity theft are when you receive bills, credit card offers, or debt collection calls in your child’s name.

If you believe your child is a victim of identity theft, you can contact the nationwide credit reporting companies at the following addresses:

Equifax Minor Child Department
P.O. Box 105139
Atlanta, GA 30348
Or by phone: 800-525-6285

Experian: Download this form and mail it to:
P.O. Box 9554,
Allen, TX 75013
Or by phone: 888-397-3742

TransUnion: Download this form and mail it to:
P.O. Box 6790,
Fullerton, CA 92834
Or by phone: 800-680-7289

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