How to Order a Credit Report for Your Child

March 2011

Identity theft is often hard to detect until your child starts trying to obtain credit after his or her eighteenth birthday. If your child is under 13 years old, and you suspect that his or her information has been used fraudulently, you can contact any of the credit bureaus and request your child’s financial credit report.

When requesting a credit report for a child, you must do it in writing via registered mail, return-receipt requested. For privacy protection, keep notes of what copies of documents you send to which agencies, and save the receipts from the post office that the mail was received by the right parties.

Requesting a Financial Credit Report from Experian

Send Experian a letter requesting a copy of your child’s financial credit report along with the following materials:

  • The child’s full name, including middle name
  • Proof of the parent or guardian’s address (telephone bill, credit card statement, bank statement, etc.)
  • A copy of the child’s Social Security card
  • A copy of the child’s birth certificate
  • A copy of the parent’s driver’s license
  • A listing of any additional addresses for the child in the last two years

Mail all the documents via registered mail to Experian, P.O. Box 9532, Allen, TX 75013.

Requesting a Financial Credit Report from TransUnion

Send an e-mail request to childidtheft@TransUnion.com, requesting a credit bureau check for a credit file for your child. Include the child’s name and Social Security number. If a credit file does exist, you will be instructed on what documents to send to TransUnion to request the full credit profile.

Requesting a Financial Credit Report from Equifax

Parents should send a letter requesting a minor child credit report to Equifax, including the following:

• A copy of the child’s birth certificate
• The parent’s name and social security number
• The child’s address, full name, and date of birth

Mail all the documents via registered mail to Equifax Minor Child Department, P.O. Box 105139, Atlanta, GA 30348.

In any case, clearing up child identity theft is much easier than clearing up adult identity theft. Establishing that a child is too young to have credit can effectively annul his or her obligations to the creditors. As long as parents check for identity theft at least once a year, no harm should come to the child’s credit as a result of identity theft.  If, for any reason, you do not receive a response within thirty days, file a complaint with the Federal Trade Commission at 1-877-FTC-HELP. Do not check your child’s identity more than once every year or two, unless you suspect identity theft from a friend or relative, as repeated inquiries can cause the agency to create a credit report for the child, increasing the risk of identity theft.

Identity theft monitoring with myID.com

With myID.com, you can monitor your entire family’s identities for theft or misuse. myID.com can monitor your personal information on the Internet and provide you with identity theft notifications if you or your child’s identity is used without your consent.