Should Children Have Credit Report?

Children and young adults under 18 should not have a credit report and score.  There are a couple reasons they may have a credit report.

To find out if your child has one, simply go to the link below and look at their report free of charge.

www.annualcreditreport.com

If you can’t get the report from www.annualcreditreport.com, request your child’s credit report from the credit reporting agencies by writing to them.

If your child has no credit, great.  But if you see some activity such as credit cards and auto loans, he or she is a victim of fraud.  You need to gather the information below and write a letter to the three credit reporting agencies, preferably by registered mail.

  • A copy of your driver’s license or other government-issued identification card
  • Proof of your address, such as a utility bill or an insurance statement
  • A copy of your child’s birth certificate
  • A copy of your child’s Social Security card

In the event no credit report has been created for your child, bureaus will send a notice letting you know. If there is, one will be provided to you.

What if Your Child Has a Credit Repot?