Protect Your Child's Identity

 

March 2, 2016

En Español

Have you ever checked your child’s credit report?

A child’s identity is valuable to identity theft criminals. The identity can be used for a long time before the identity theft is discovered.

Identity thieves use child identities to rack up years of debt. These issues can take years to resolve and possibly restrict a child’s chance of getting a job, college loan, or credit card.

It’s never too early to check your child’s credit report. The Federal Trade Commission recommends all parents check to see if their children have credit reports when they turn 16. This gives parents time to correct any errors on the report.

To check your child’s credit, you must submit an in-writing request to one of the credit reporting agencies. Follow the instructions on each of the three credit reporting agency websites:

  • Equifax
  • Experian
  • TransUnion

To learn more about what you can do to keep you and your child’s identities safe this tax season, visit the department’s Stop ID Theft website for additional tips and resources.

You also can access the Attorney General’s ID Theft Protection Tool Kit at www.in.gov/attorneygeneral/2853.htm.

Update 05/05/17: Consumers can request copies of credit reports from all three credit reporting agencies at www.annualcreditreport.com. The site also outlines steps to take if you suspect fraud involving your child's identity.