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

Contact any or all of the three nationwide credit reporting companies 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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