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» Here - s Why You Need to Check Your Child - s Credit Report
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Here - s Why You Need to Check Your Child - s Credit Report
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#Here's Why You Need to Check Your Child's Credit Report
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 before the child needs to use their credit. This is for situations where there is no reason for them to be concerned. If they have reason to believe their child’s information is compromised, I would do it more frequently.”</p>
<p>What are some reasons to be concerned?</p>
<ul>
<li>Debt collectors contact the child attempting to collect a debt.</li>
<li>A child who starts driving is denied a license because one has already been issued in his or her name.</li>
<li>A parent tries to open a bank account for their child, but is told they can’t due to a negative history with bureaus that report checking and savings account information.</li>
<li>Numerous pre-approved credit offers arrive in the child’s name. (Don’t sweat occasional offers; that probably just means they are on a mailing list.)</li>
<li>Bills for utilities or credit cards arrive with the child’s name on them.</li>
</ul>
<p>Keep in mind that some young people may have credit histories before they reach the age of 18. “Children may have a credit report because they are listed as authorized users or joint account holders on an adult’s account,” says Searcy. But if the minor child or their parent obtains a copy of their credit report and discovers accounts that they don’t recognize, it’s a big red flag. Unfortunately, this crime is sometimes committed by family members, complicating things even further for the victim. <strong>How to Get a Child’s Credit Report</strong> If you need to request one of these reports for a child under 13, you can contact each of the credit reporting agencies below. If you request a report in writing you will likely need to provide the following information about the child:</p>
<ul>
<li>Legal name</li>
<li>Address</li>
<li>Birth date</li>
<li>A copy of the child's birth certificate</li>
<li>A copy of the child's Social Security card</li>
</ul>
<p>You’ll also need to provide your identification as parent or legal guardian:</p>
<ul>
<li>A copy of your driver's license or other government-issued identity card with your current address</li>
<li>A copy of a current utility bill with the same address</li>
</ul>
<p>If necessary, you may also have to provide proof of legal custody of the child. The credit reporting agency will notify you if this is required. Send your written request to all three credit reporting agencies:</p>
<p><strong>Equifax</strong> P.O. Box 105139 Atlanta, GA 30348-5139</p>
<p><strong>Experian</strong> P.O. Box 9554 Allen, TX 75013</p>
<p><strong>TransUnion</strong> P.O. Box 1000 Chester, PA 19022</p>
<p>Once your child has begun to establish credit, encourage them to check their credit reports once a year for free. and to monitor their credit scores, which they can do for free at Credit.com .</p>
<p><b><i>Read More from Credit.com</i></b></p>
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