{"id":20590,"date":"2024-05-17T11:33:13","date_gmt":"2024-05-17T17:33:13","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=20590"},"modified":"2024-07-01T10:33:34","modified_gmt":"2024-07-01T16:33:34","slug":"credit-monitoring-minors","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/credit-monitoring-minors.html","title":{"rendered":"Credit monitoring for minors: How to prevent child identity theft"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/05\/shoulder-surfing-hero-1500x500-1.jpg\" alt=\"\" class=\"wp-image-20597\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.&nbsp;<a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">See Lexington Law\u2019s editorial disclosure for more information.<\/a><\/em><\/p>\n\n\n\n<p><strong>Key takeaways:<\/strong><\/p>\n\n\n\n<ul>\n<li>Child identity theft occurs when fraudsters use a minor\u2019s personal information to illegally obtain credit.<\/li>\n\n\n\n<li>You can contact the credit bureaus to check if your child has a credit report.<\/li>\n\n\n\n<li>Placing a credit freeze on your child\u2019s credit can stop fraudsters from opening credit accounts in your child\u2019s name.<\/li>\n<\/ul>\n\n\n\n<p>Identity theft is a widespread issue that can happen to anyone, even children. In fact, a <a href=\"https:\/\/javelinstrategy.com\/press-release\/17-million-us-children-fell-victim-data-breaches-according-javelins-2022-child\" target=\"_blank\" rel=\"noreferrer noopener\">Javelin survey<\/a> revealed that approximately 1.7 million, or 1 in 43 children, were victims of identity fraud in 2022.<\/p>\n\n\n\n<p>Since minors generally don\u2019t have <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit reports<\/a>, they may not realize they\u2019ve become victims until much later, thus making the consequences worse. Therefore, credit monitoring for minors is crucial for protecting your children\u2019s financial future.<\/p>\n\n\n\n<p>Read on to learn more about child identity theft and how to protect your children from becoming victims of this crime.<\/p>\n\n\n\n<p><strong>Table of contents:<\/strong><\/p>\n\n\n\n<ul>\n<li><a href=\"#what-is-child-identity-theft\">What is child identity theft?<\/a><\/li>\n\n\n\n<li><a href=\"#what-is-credit-monitoring\">What is credit monitoring?<\/a><\/li>\n\n\n\n<li><a href=\"#how-to-check-if-your-child-has-a-credit-report\">How to check if your child has a credit report<\/a><\/li>\n\n\n\n<li><a href=\"#how-to-place-a-credit-freeze-for-minors\">How to place a credit freeze for minors<\/a><\/li>\n\n\n\n<li><a href=\"#steps-to-take-if-your-child-is-a-victim-of-identity-theft\">Steps to take if your child is a victim of identity theft<\/a><\/li>\n\n\n\n<li><a href=\"#protecting-yourself-and-your-family-from-identity-theft\">Protecting yourself and your family from identity theft<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-child-identity-theft\">What is child identity theft?<\/h2>\n\n\n\n<p>Child <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-identity-theft\" target=\"_blank\" rel=\"noreferrer noopener\">identity theft<\/a> occurs when an individual steals a child\u2019s personal details, such as their name, date of birth or Social Security number, to illegally secure credit or similar benefits. Identity thieves will use this information to open a credit card account, apply for a loan or even attempt to get government assistance.<\/p>\n\n\n\n<p>Lack of age verification by creditors means this crime can remain hidden until a child turns 18 and applies for credit, only to discover that their <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/fico-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">credit score<\/a> is much lower than it should be. Therefore, it\u2019s important to take proactive steps to monitor your child\u2019s credit so you\u2019re alerted to potential signs of child identity theft.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1017\" height=\"637\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/05\/image-21.png\" alt=\"\" class=\"wp-image-20593\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/05\/image-21.png 1017w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/05\/image-21-768x481.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-credit-monitoring\">What is credit monitoring?<\/h2>\n\n\n\n<p>Credit monitoring is a method of tracking updates to your credit report so that you can quickly address anything that seems suspicious. While it\u2019s common for adults to keep track of their credit, many people are unaware that credit monitoring for minors is also recommended.<\/p>\n\n\n\n<p>The three credit bureaus and some other financial companies offer child <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/best-credit-monitoring-services.html\" target=\"_blank\" rel=\"noreferrer noopener\">credit monitoring services<\/a>. Typically, these companies charge a small fee of $10 \u2013 $20 per year to monitor your minor\u2019s Social Security number to detect new credit accounts. Many credit monitoring products bundle children with adult subscriptions so your whole family is protected.<\/p>\n\n\n\n<p>When you enroll your child in a credit monitoring service, you\u2019ll get alerted if they find something suspicious so you can take quick action. Early detection is key when it comes to minimizing the damage of child identity theft.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-check-if-your-child-has-a-credit-report\">How to check if your child has a credit report<\/h2>\n\n\n\n<p>Typically, children under the age of 18 don\u2019t have credit reports. If your child does have a credit report, this could be a sign that their personal details have been compromised.<\/p>\n\n\n\n<p>While you cannot access online credit reports for minors 13 years old or under due to the <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/childrens-online-privacy-protection-rule-coppa\" target=\"_blank\" rel=\"noreferrer noopener\">Children\u2019s Online Privacy Protection Act<\/a>, you can write to the <a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">three credit bureaus<\/a> to request that they check if your child has a credit report. In your letter, you\u2019ll need to provide copies of the following documents:<\/p>\n\n\n\n<ul>\n<li>Minor\u2019s birth certificate<\/li>\n\n\n\n<li>Minor\u2019s Social Security card<\/li>\n\n\n\n<li>Your driver\u2019s license or other government-issued identification<\/li>\n\n\n\n<li>If you\u2019re not the minor\u2019s parent, provide proof of legal authority, like foster care certification or guardianship papers<\/li>\n<\/ul>\n\n\n\n<p>After you\u2019ve compiled the necessary documents, send your request to the following addresses:<\/p>\n\n\n\n<style>\n.std-table thead tr {\n  background-color: transparent;\n  border-top-width: 0;\n}\n.std-table thead tr:first-of-type th {\n  background-color: #00214f;\n}\n.std-table thead tr th {\n  padding: 1.6rem 0.8rem;\n  color: #fff;\n}\n@media (min-width: 600px) {\n  .std-table thead tr th {\n    padding: 1.6rem;\n  }\n}\n.std-table tbody tr:nth-of-type(even) {\n  background-color: #F9F9F9;\n}\n.std-table tbody tr th {\n  border-left: 1px solid #ccc;\n  border-bottom: 1px solid #ccc;\n  text-align: left;\n}\n.std-table tbody tr:first-of-type th {\n  border-top: 1px solid #ccc;\n}\n.std-table tbody tr th, .std-table tbody tr td {\n  padding: 1.6rem 0.8rem;\n}\n@media (min-width: 600px) {\n  .std-table tbody tr th, .std-table tbody tr td {\n    padding: 1.6rem;\n  }\n}\n.std-table tbody tr td {\n  font-weight: normal;\n}\n<\/style>\n\n<table class=\"std-table\">\n    <thead>\n        <tr>\n            <th>Equifax<\/th>\n            <th>Experian<\/th>\n            <th>TransUnion<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>P.O. Box 740241\nAtlanta, GA 30374-0241<\/td>\n            <td>P.O. Box 2002\nAllen, TX 75013<\/td>\n            <td>P.O. Box 2000\nChester, PA 19016<\/td>\n        <\/tr>\n      \n    <\/tbody>\n<\/table>\n<!-- partial -->\n  \n<\/body>\n<\/html>\n\n\n\n<p><strong><em>Note:<\/em><\/strong> TransUnion is the only credit bureau where you can check if your child has a credit report online via the <a href=\"https:\/\/www.transunion.com\/credit-disputes\/child-identity-theft-inquiry-form\" target=\"_blank\" rel=\"noreferrer noopener\">Child Identity Theft Inquiry<\/a> portal.<\/p>\n\n\n\n<p>Once the credit bureaus receive this information, they will let you know whether or not your child has a credit report. According to Experian, you can expect to receive a response within 10 to 15 days.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-place-a-credit-freeze-for-minors\">How to place a credit freeze for minors<\/h2>\n\n\n\n<p>Another way to protect your children from identity theft is to place a credit freeze on their credit reports. A <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-to-freeze-your-credit\" target=\"_blank\" rel=\"noreferrer noopener\">credit freeze<\/a>, also known as a security freeze, limits access to an individual\u2019s credit report. This can help prevent criminals from stealing you children\u2019s information to open lines of credit in their names, since lenders would not be able to pull their credit reports.<\/p>\n\n\n\n<p>To place a credit freeze on your children\u2019s accounts, complete the following steps:<\/p>\n\n\n\n<ul>\n<li><strong>Step 1: <\/strong>Compile the necessary documents, including your child\u2019s birth certificate and Social Security card, along with your government-issued identification.<\/li>\n\n\n\n<li><strong>Step 2: <\/strong>Print and fill out the minor freeze request forms from <a href=\"https:\/\/assets.equifax.com\/assets\/personal\/Minor_Freeze_Request_Form.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Equifax<\/a>, <a href=\"https:\/\/www.experian.com\/help\/minor-request.html\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2019\/09\/TransUnion_credit-freeze_fill.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">TransUnion<\/a>.<\/li>\n\n\n\n<li><strong>Step 3: <\/strong>Send your requests via mail and wait for a response confirming that the credit freeze is in place.<\/li>\n<\/ul>\n\n\n\n<p>If needed, you can quickly and easily remove a credit freeze by contacting the credit bureaus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"steps-to-take-if-your-child-is-a-victim-of-identity-theft\">Steps to take if your child is a victim of identity theft<\/h2>\n\n\n\n<p>If you discover fraudulent accounts on your child\u2019s credit report, follow these steps to address the issue:<\/p>\n\n\n\n<ul>\n<li><strong>Step 1: <\/strong>Reach out to the <a href=\"https:\/\/www.identitytheft.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Trade Commission (FTC)<\/a> to file a child identity theft report.<\/li>\n\n\n\n<li><strong>Step 2:<\/strong> Contact law enforcement and request a police report.<\/li>\n\n\n\n<li><strong>Step 3: <\/strong>Get in touch with the creditors using the contact information displayed on the credit report to alert them about the fraud and request that they close the account.<\/li>\n\n\n\n<li><strong>Step 4: <\/strong>Set up a security fraud alert for your child\u2019s credit report.<\/li>\n\n\n\n<li><strong>Step 5: <\/strong>Alert the national credit bureaus about the fraudulent activity.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"773\" height=\"1121\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/05\/image-22.png\" alt=\"\" class=\"wp-image-20594\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/05\/image-22.png 773w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/05\/image-22-768x1114.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"protecting-yourself-and-your-family-from-identity-theft\">Protecting yourself and your family from identity theft<\/h2>\n\n\n\n<p>When it comes to preventing child identity theft, talk to your children about the importance of safeguarding their personal information, and regularly monitor their online activities. Additionally, make sure you avoid giving out your child\u2019s Social Security number unless absolutely necessary.<\/p>\n\n\n\n<p>In addition to protecting your children, you should also monitor your credit regularly to ensure you\u2019re protected from identity theft.<\/p>\n\n\n\n<p>If you\u2019ve already been a victim of identity theft, our <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair\/focus-tracks\" target=\"_blank\" rel=\"noreferrer noopener\">Identity Theft Focus Track<\/a> could help you repair your credit and address any false items on your credit reports. Included in this focus track is credit monitoring and alerts, identity insurance, credit bureau and lender intervention and a case update tracker.<\/p>\n\n\n\n<p>Learn more about <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">our service<\/a> and get a <a href=\"https:\/\/www.lexingtonlaw.com\/credit-snapshot\/pi\" target=\"_blank\" rel=\"noreferrer noopener\">free credit assessment<\/a> today.<\/p>\n\n\n\n<p><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit monitoring for minors can help prevent child identity theft. Read on for fraud prevention tips, plus steps to take if you find false accounts. <\/p>\n","protected":false},"author":63,"featured_media":20598,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Monitoring for Minors: Preventing Child Identity Theft<\/title>\n<meta name=\"description\" content=\"Credit monitoring for minors can help prevent child identity theft. 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