•Unfortunately Child Identity Theft is impossible to prevent. Children should not have a credit report, and fraud alerts can not be placed on a report that does not exist.
•Parents/Legal Guardians can contact the three credit bureaus and request a credit report. If the response from the credit bureau is “A report does not exist”, then the child does not have a credit file.
All correspondence must be sent certified/return receipt requested to prove you sent the information. Be sure to include:
•A copy of the child’s birth certificate listing the parent as a parent, or documentation showing legal guardianship
•A copy of the child's Social Security card
•A Cover Letter including the full name of the child, the child’s date of birth, previous addresses for the last five years, and the parent’s name and address
•A copy of the parent’s own ID card, such as driver’s license or state/military issued photo id card.
•Request the child’s credit report by SSN. Remember thieves may use a different name.
•Parents/Legal Guardians can contact the three credit bureaus and request a credit report. If the response from the credit bureau is “A report does not exist”, then the child does not have a credit file.
•All correspondence must be sent certified/return receipt requested to prove you sent the information.
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