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Your Child's Credit and Family Credit Guide

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please visit Credit Card Cops credit protection, family credit restoration & family identity theft services.

We also recommend you pay a visit to DMFCU and also my child's

One way to help protect your identity and children's credit is to check your families credit reports on a regular basis. By doing so, you can be sure there are no loans, credit cards, or other financial obligations fraudulently initiated in your family name.

By law, you are entitled to 3-free credit reports every 12-months — one each from Equifax, Experian, and TransUnion, the national consumer credit reporting agencies. If you haven’t requested free credit reports in the past year, visit the credit agencies.

Fight identity theft by monitoring and reviewing your credit report. You may request your free credit report online, request your report by phone or request your report through the mail. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15-days of receiving your request.

My Child's Credit Report will deal with Family Credit Issues website regarding identity theft prevention and other credit report concerns involving yourself and possibly your children too!

In 1989 a law passed that requires parents of newborns to register for a Social Security number for their baby. That child

will probably not need to use the social security number until he/she is a teenager, and it is necessary to obtain a driver’s license, open a bank account, or get a job. In the meantime, the number is not only unused, but the theft of it may go unnoticed.

Thieves steal the Social Security numbers and identities of children who are especially vulnerable because they don’t have credit histories and it may be many years before the theft is discovered

How can you protect your child from identity theft? Don’t give out your child's Social Security number unless it's absolutely necessary.

Parents can check your child's credit report. The credit reporting agencies do not knowingly maintain credit files on children. A check of your child's credit should turn up nothing until she turns 18, unless child is a victim of identity theft.

How do I request a credit report by mail for a child under 13-years of age?

The credit reporting agencies do not knowingly maintain credit files on minor children. If you suspect that your minor child's information has been used fraudulently, you should contact the credit reporting agencies directly and report the illegal use of your child's information to law enforcement. Please supply each credit reporting agency with your child's complete name, address, date of birth and a copy of the minor child's birth certificate and social security card. Additionally, please provide a copy of your driver's license or other government-issued proof of your identity, which includes your current address, and a current utility bill containing your current address so the credit reporting agencies may promptly respond to your request. The addresses for the credit reporting agencies are listed below:

Category: Credit

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