How to Check Your Underage Son's Credit Report

Your young child probably doesn't have credit cards, so if you receive a bill, you should probably check his credit.

The Federal Trade Commission reports several signs that may indicate an identity thief has stolen your son's information, such as Internal Revenue Service or collection notices in your child's name. Checking your child's credit report can help you pinpoint any unauthorized activity. You can order one free annual credit report from each of the three nationwide credit reporting companies by mail; you must provide information proving you are your son's legal guardian.

Visit the Annual Credit Report website. Click "Request Your Report Through the Mail."

Click "Download the Request Form" on the Web page "To Request Your Credit Report by Mail" section and print three copies of the form.

Complete each form. Print your son's information in blue or black ink.

Make three copies of your son's birth certificate and social security card, a copy of your driver's license or other government-issued identification and a current utility bill showing your mailing address.

Mail one copy of the request form with one set of the copies of your identifying information to each of the three credit bureaus. The bureaus will mail the reports to you within 15 days of receipt of your request.


The FTC recommends checking your child's credit around his 16th birthday to allow time to resolve any issues before he needs to qualify for an apartment, student loans or other credit.

Contact the credit bureaus and the FTC to report any fraudulent activity you find once you receive the reports.