When Should You Check Your Child’s Credit Reports?

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:

  • Legal name
  • Address
  • Birth date
  • A copy of the child's birth certificate
  • A copy of the child's Social Security card
You’ll also need to provide your identification as parent or legal guardian:
  • A copy of your driver's license or other government-issued identity card with your current address
  • A copy of a current utility bill with the same address
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:

Equifax

P.O. Box 105139

Atlanta, GA 30348-5139

Experian

P.O. Box 9554

Allen, TX 75013

TransUnion

P.O. Box 1000

Chester, PA 19022

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.

This article originally appeared in Credit.com.

Any opinions expressed in this column are solely those of the author.

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