How to Get Your Child's
Credit Report
Parents are often surprised to learn that each of the Big 3 credit bureaus—Experian, Equifax, and TransUnion—has its own process for checking a minor’s credit file. Even if you do not suspect an issue, it’s prudent to confirm everything is accurate before your child reaches an age where an error could make a big difference. Their future is at stake. Checking your child's credit report is an important step every parent should take.
Steps to Obtain Your Child's Credit Report from the Big 3
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Experian: Has a dedicated Child Identity Theft Protection page. Parents can submit a request to see if a file exists and, if so, obtain a copy or place a freeze. Minors of a certain age can access their own credit report.
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Equifax: Provides downloadable forms for a “Minor Credit Report Request.” You’ll need to mail them along with the required documentation.
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TransUnion: Offers an online “Child Identity Theft Inquiry” form. If a file exists, they’ll guide you through requesting the report and placing a freeze.
Directions and requisite documents can be found on each bureau’s website. Typical documentation you’ll need to get your child's credit report:
•Your child’s Social Security number and birth certificate
•Proof of address (such as a utility bill)
•Your government-issued photo ID
•Proof of guardianship, if you’re not the parent listed on the birth certificate.
How Often Should I Check My Child's Report?
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Request a copy of the report immediately.
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Review the report carefully.
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Dispute fraudulent accounts in writing. Keep copies of everything.
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Place a free security freeze on your child’s credit to stop further misuse.
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When credit bureaus or creditors refuse to cooperate—or fail to follow the Fair Credit Reporting Act
(FCRA)—legal action may be the only way to protect your child’s future. At Wells Law – Chicago, we
fight for families – including the most vulnerable among us – and hold credit reporting agencies and
those who furnish and misuse information accountable.
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Contact us today or request a Free Case Review online. Protect your child’s identity. Obtain your child's credit report, before disruptive errors create avoidable set-backs in their life.
