How to Run Credit Check on a Minor

The only reason to run a credit check on a minor is to ensure his personal information isn't being used illegally. Credit monitoring companies do not purposely keep credit scores of minors. In today's age of identity fraud, thieves are finding any way possible to take advantage of the credit system. No one is entirely safe from identity theft, and thanks to the Internet it is becoming easier to gather personal information. Only a parent can call the credit monitoring companies and check up on his child's information.

Instructions

1

Have the parent or current guardian take care of the credit check. Unless you are the parent, you will not be granted the right to request any personal information about the child.

2

Call the three major credit monitoring companies:

Experian:
(888) 397-3742

Equifax:
(800) 685-1111

Trans Union:
(800) 888-4213

Explain the circumstance and ask them to check to see if there is anything on file for your child. They can quickly confirm if they have a credit file for the minor.

3

If they do have a file, immediately request to freeze the account. The Fair Credit Reporting Act allows a free credit report when it is believed you have been a victim of identity theft.

4

Most likely you will need to send off for a credit report, and will not be able to view it online. The credit monitoring companies will provide you with the information needed to mail a formal request to view the credit reports. You will need to supply personal information about yourself and your child.