How can you Check your Minor Child’s Credit Report if you Suspect Illegal Activity?

If you are concerned that someone may have used your minor child's identification information fraudulently, you can request a copy of your child's credit report for free by following the instructions in Experian's Fraud Center.

Simply click on the "Minor Child Instructions" link under "Additional resources."

You will be asked to either mail or electronically submit verification and documentation that you are the child's parent or legal guardian. You will need to provide the following:

  • a copy of your driver's license or another government issued identification card, such as a state ID card, etc.
  • proof of your address, such as a copy of a bank statement, utility bill, insurance statement, etc.
  • a copy of your child's birth certificate
  • a copy of your child's Social Security card; your child's full name, including middle initial and generation, such as JR, SR, II, III, etc.
  • your child's date of birth
  • previous addresses for the past two years

Once we verify that you are the child's parent or legal guardian, Experian will check its records to determine if there is a credit report for your child.

Ideally, there will be no file on record, meaning Experian has no record of a credit application being made or account being opened in your child's name. If there is no credit report for your child, Experian will provide a notice to that effect.

If there is a credit report for the minor, Experian will provide you with a free copy of the report. In addition, Experian can place a security alert on the minor's file to alert creditors that someone may be trying to use their information fraudulently.

See more on Requesting a credit report for a minor on the Ask Experian blog.

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Do you have questions about credit?

Join our live video chat every Tuesday and Thursday at 3:00 p.m. ET on Periscope. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live.
Scoped on: 4/04/2017