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.

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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.

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