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Kids turning 16? Check their credit report.

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Any parent or guardian of a child knows the milestones that come with turning 16 – learning to drive, maybe dating, or thinking about college. But now, there’s one more: checking their credit report.

But my kids don’t have a credit card, house or car. Why should I check their credit report?
Because somebody else could be using your child’s personal information. Once a child’s – or anyone’s – Social Security number is stolen, it can be used by identity thieves. The thief might apply for car and mortgage loans, government benefits, credit cards, get a place to live and utilities, or even file taxes in your child’s name – and get a refund. Checking to see if your child has a credit history, and then thoroughly reviewing it when they turn 16, can help you spot signs of identity theft. If you find false or inaccurate information, you’ll have time to correct it before your child applies for a job, a loan for college or a car, or tries to get a credit card or a place to live.

How can I get a credit report for my child?
Contact each of the three credit bureaus online: Equifax, Experian, and TransUnion – and ask them to conduct a manual search to see if your child has a credit report. Each company will check for a report related to your child’s Social Security number. Generally, children won’t have credit reports – unless someone is using their information for fraud.

What if my child has a credit report with incorrect or false information?
Visit to report the problem and follow the steps outlined to resolve it. The website has information — and recovery plans — for more than 30 types of identity theft, including child identity theft.

Read more about child identity theft to get more information on warning signs and limiting your child’s risk.

Blog Topics: 
Money & Credit


People are, also, selling their children's social security numbers to buy drugs and alcohol.

Please, explain how a scammer is capable of using a 16 year old's S.S. # to buy drugs/alcohol, cars, or use their identity for any credit worthy purpose?? Unless i'm mistaken, a person must be 18 years old to apply for credit??

A adult can steal a child's social security number and write it on applications for utilities, phones, etc., or can offer to tell someone a child's social security number in exchange for money or goods.

This is very important to parents of children under 16 & turning 16. Thanks for the info. They need to be alerted and aware our privacy.

I do not have any accepted papers like child benifts at this time because I like you said lots of scammer and trying to buypass my account no one else is know my personal account is my previous company and the car dealer that I bought a new car last year those two list company is one of my suspect for sure.

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