Checking to see if your children have credit reports



Dear Experian,

How do I check to see if my children have open credit reports? The form requires a driver’s license number, which they do not have.



Dear WMV,

Experian does not knowingly maintain credit reports on minor children. However, it is not uncommon for a parent to add a child as an authorized user or joint account holder, in which case they may have a legitimate credit history.

That said, if you are concerned that someone may have fraudulently used your child’s identification to open credit accounts, you can submit a written request for a credit report.

You can find a form with instructions to submit the request at https://www.experian.com/fraud/center.html. Simply click on the “Minor Child Instructions” link under “Information You Should Know.” The form provides a detailed explanation of documentation you will need to provide along with your request. You will need to provide documentation verifying your identity, such as a copy of your driver’s license. Experian does not require a copy of a driver’s license for the child.

If there is no credit report for them, we will send you a letter explaining that no record was found. If there is a credit report for either child, you simply need to make sure that their correct date of birth is included in their identifying information. That will protect them from fraud because Experian will not disclose the report of a minor to third parties.

If either of your children have a credit report that was fraudulently created with the wrong date of birth, call the Experian toll free number on the report and speak with one of our customer service representatives. We will help you dispute any fraudulent accounts with the creditors and add the correct birthdate to protect your child from further abuse.

If either of your children have a credit report, you should contact the creditors listed on the report and notify them of the fraud. It is also a good idea to file a police report indicating that your children are victims of identity theft.

Thanks for asking.

The “Ask Experian” team

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