How do I check to see if my child has a credit report?

Answer:

Contact any or all of the three nationwide credit bureaus to request that they search their database for a credit report in your child’s name.

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.

TransUnion
TransUnion has an online portal where parents or guardians can fill out and submit a Child Identity Theft Inquiry form. When you submit this form you will find out whether there is a credit report in your child’s name. If there is, TransUnion will contact you for additional information. If you want a copy of the credit report, TransUnion might require you to separately request a copy of the report by mail.

Address:
TransUnion LLC
P.O. Box 2000
Chester, PA 19016


Equifax
Equifax requires parents or guardians to send the following documents by mail:

  • A letter explaining that the minor child may be a victim of identity theft
  • A copy of the minor child’s Social Security card or letter/form from the Social Security Administration
  • A copy of the minor child’s birth certificate
  • A copy of your driver’s license or other government-issued proof of identity that includes your current address

Address:
Equifax Information Services
P.O. Box 105139
Atlanta, GA 30374

Experian
Experian requires parents or guardians to send the following documents by mail:

  • A completed copy of a Minor Child Instructions form (you can find it on Experian's website)
  • A copy of the minor child’s Social Security card
  • A copy of the minor child’s birth certificate
  • A list of the minor child’s previous addresses for the past two years
  • The minor child's full name, including middle initial and generation, such as JR, SR, II, III, etc. and date of birth
  • A copy of your driver’s license or other government-issued identification card
  • Proof of your address, such as a copy of a bank statement, utility bill, or insurance statement

Address:
Experian
P.O. Box 9554
Allen, TX 75013

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