Finance

Dec 4 2016

Step-by-step guide to checking your minor child s credit #how #do #i #get #free #credit #report


#how to check credit report
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Step-by-step guide to checking your minor child’s credit

The credit bureaus’ requirements for obtaining a child’s credit report

By Adrienne Samuels-Gibbs

Identity theft of children is often hard to detect until they turn 18. By then, however, their credit may be ruined. Here are instructions (or you can download a printable checklist ) for contacting the top three credit bureaus if you suspect your child’s a victim of identity theft.

How to get your child’s credit report

When contacting each credit reporting agency with an inquiry, you will most likely have to do so in writing. It is very important that when sending in sensitive information, such as copies of birth certificates and Social Security cards, that you mail your documentation in a registered, return-receipt envelope or package.

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Equifax asks that the parent(s) or legal guardian(s) send their request to:

Equifax Minor Child Department

P.O. Box 105139

Atlanta, GA 30348 As part of the request, parents will need to provide a copy of the child’s birth certificate and a copy of the parent’s ID or guardianship papers as well as:

  • A copy of the child’s Social Security card.
  • The child’s address.
  • The child’s full name.
  • The child’s date of birth.

Upon receipt of the documents listed above, Equifax will attempt to locate a file for the minor child and place an alert on the child’s Social Security number. Once Equifax’s research is complete, they will send a response back to the parent(s) or legal guardian(s).

  • A copy of the child’s Social Security card.
  • The child’s address.
  • The child’s full name.
  • The child’s date of birth and a copy of the minor child’s birth certificate.
  • The parent’s government-issued proof of identity, which includes your current address.
  • A copy of current utility bill that also reflects your current address..

TransUnion’s mailing address is:


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