Credit Advice » Life Stages » Kids


Young people are being exposed to credit earlier and earlier in the lives by using their parents’ credit cards or even being listed as a joint account holder. However, identity theft and fraud against minors remains a growing concern. It’s important to take steps to teach your children how to use credit wisely and safely.

How Can You Request a Security Freeze on a Minor’s Credit File?

If you’re concerned about your child’s credit information, you can request a copy of his or her credit report at Experian’s Fraud Center. Complete the form and mail it along with the requested documentation to the address provided. Experian will notify you if there is no credit report for your child.

Once you receive your child’s credit report, you can contact Experian to add fraud alert or freeze the credit file. Ideally, there should be no credit file, meaning your child has not been a victim of fraud, and if his or her identity were used to apply for credit, the lender would see there is no credit history.

How to Check if Your Child Has a Credit Report

February 12, 2014

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. - WMV

Requesting a Security Freeze for a Minor Child’s Credit Report

October 9, 2013

Dear Experian, I'm concerned that someone may use my minor child’s identification information fraudulently and I want to take precautions. How can I request a security freeze on a minor’s...

How a Minor Child May Have a Credit Report

September 10, 2013

Dear Experian, I am teaching a class at a local high school about credit fraud. A teacher mentioned to me that her daughter, who is under 12 years of age,...

Freezing Your Child’s Credit History

August 24, 2013

Dear Experian, I have two young children (both under the age of four). Because I have heard of even young children being the victims of identity theft, I am considering...

College Savings Account Won’t Appear on Credit Report

April 10, 2013

Dear Experian, If a family member were to open college savings accounts in my children's names, would that appear on a credit report? I've had to deal with identity errors...

Requesting a Credit Report for a Minor

February 15, 2012

Dear Experian, How can I get a copy of my son’s credit report? I believe that his father may have tried to get credit in his name. We are divorced,...

Social Security Number Used to Open Credit Cards

November 23, 2011

Dear Experian, Someone is using my five-year-old daughter’s Social Security number. They already have two credit cards open under her number. What should I do? - REN

Car Repossession Could Appear in Minor’s Credit Report

October 26, 2011

Dear Experian, If a car loan is opened in a minor’s name as a joint loan with a parent co-signer can it be reported as a repossession on the minor’s...