Does my child have a credit report?

It depends. Most children do not have credit reports, but yours might if they are an authorized user on one of your credit cards. It is also possible they have a credit report if they are a victim of identity theft. 

What do I do if I suspect someone has stolen my child’s identity?

Checking your child’s credit can help you determine if they are a victim of identity theft. If you find this to be the case, you can report it to the Federal Trade Commission (FTC) and get a recovery plan. You can also get in touch with the three credit bureaus and local law enforcement to alert them to fraudulent activity. You can also place credit freezes and fraud alerts on your child’s credit report. 

How much does it cost to get my child’s credit report?

You can get your child’s credit report for free from each of the three major credit bureaus at least once a year. 

About the Author

Kal Salem

Kal Salem

MA Accounting - Arizona State University

A CPA and finance professional working with small businesses to educate owners and grow alongside their businesses. Kal started his career in public accounting supporting SEC, regulatory, and both internal and external audits. He holds a Masters in Accounting and a BS in Supply Chain Management. Owner at Salem CPA...

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