Freezing a Minor's Credit Report
Don't hinder your child’s ability to establish good credit immediately upon adulthood.
The children in your family are at high risk for Synthetic Identity Theft. A criminal will use your child's Social Security number to fabricate an entire identity over many years. It can hinder their bright future because it usually goes undetected until your child applies for their first credit card, car loan or student loan.
In order to protect minors, you will need to first call each credit bureau and give the representative your child's Social Security number to make sure that a credit file does not exist. Then you are required to contact each credit bureau in writing to open the child’s credit and place a security freeze. You are also required to submit supporting documentation.
Because we found this process daunting, we created our Identity Protection Packet for Minors to make it easy for you!
Below are the links to each Bureau's Minor's Freeze pages for your reference. Beginning September 21, 2018, there will no longer be a fee associated with freezing or unfreezing your child's credit report.
Freezing The Credit Reports of Senior Citizen's and Vulnerable Adults
Senior Citizens are prime targets for so many different types of fraud. Freezing their credit is the best way to protect them.
Senior Citizens are constantly being bombarded with phone calls, mail and email scams, tricking them into giving out their personal information, credit card number, and even allowing remote access to their computers.
Please take the time to help the Senior's in your family go through the process of freezing their credit. You can simply help them navigate the freeze websites or assist in calling each freeze hotline.
If you are the Power Of Attorney for a loved one, you are able to submit the documentation to each credit bureau and act on their behalf.
Make sure to aid in keeping the pin in a safe place in case you need to assist in utilizing their credit in the future.
