Credit Advice

Freezing your children’s credit histories

Have a question?

Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

Our policies
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.

Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.

Credit Advice

Freezing your children’s credit histories

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 freezing their credit files until they are old enough to have their first credit cards. What is your opinion on this? Is it possible for a parent to freeze the credit of a minor? Would you do this for your own children?

- CJT

Dear CJT,

Your children probably do not yet have credit reports, so you wouldn’t be able to freeze them, and I wouldn’t freeze the reports if they did exist, even for my own children.

There seems to be a growing misperception that everyone is assigned a credit history at birth, just like a Social Security number. In fact, your children won’t have a credit report until they have credit in their names.

Having no credit report is better protection than having a credit report with a freeze. If an identity thief applies for credit using your children’s information, the lender will get a response indicating no credit report exists with those identifiers, and also may receive an alert that the Social Security number belongs to a minor.

A notice that the Social Security number is issued to a minor can tip off the lender to fraud, stop the application and allow the lender to notify law enforcement.

If there were a credit history and it were frozen, the lender would receive only a message that the credit file needed to be thawed by the consumer. The lender would then have to ask the identity thief to thaw the credit file before the application could be processed.

The identity thief could then explain that he or she needed to go get the password and could simply walk out of the bank never to be seen again.

If your children already have credit reports in their names, one of three things has happened. You have applied for credit in their names and the applications were approved. You have added them as authorized users or joint account holders on one or more of your accounts. Or, someone has fraudulently used their information to apply for credit and they are already identity theft victims.

If they become victims, before placing a file freeze on your children’s credit histories you should add victim statements to their reports. Doing so will require filing a police report or other valid identity theft report.

One of the most significant requirements of the The Fair and Accurate Transactions Act (FACT Act), which amended the Fair Credit Reporting Act (FCRA), is that it requires lenders to respond to security alerts and victims statements.

Because of that requirement, the statements provide strong protection for fraud victims while still affording access to credit if they need it.

One of the few instances in which I would recommend freezing a credit history is if the child is very young and is a victim of identity theft. It is an extreme situation that may warrant an extreme action.

Before doing so, check your state laws to verify you can place a file freeze and to determine the requirements for doing so. Some states do not allow credit file freezing. You may need to file a police report regarding the crime. If you do not, there could be a fee for placing the credit freeze.

Thanks for asking.

- The "Ask Experian" team

  • © 2014 Experian Information Solutions, Inc. All rights reserved.