equifax security freeze or credit file lock

What paperwork do I need in order to place a security freeze on my child’s credit report?Ī. Security freezes are free, but must be placed separately with each of the three nationwide credit bureaus (Equifax, Experian, and TransUnion). Once a security freeze is placed on your child’s credit report, it restricts certain access to it, including access by fraudsters who may be attempting to open a new account using the child’s identity.Ī. How does a security freeze protect my child’s credit reports?Ī. Here are some commonly asked questions – and answers – about placing a security freeze on your minor dependent’s Equifax credit report: You’ll also need to complete this form and provide proof of your identity proof of their identity and proof that you are their parent or legal guardian. Should you request a security freeze be placed on your minor dependent’s credit report, a credit report is created for the minor and then frozen. The identity theft may not be discovered for years, until the child is a young adult.Īs a parent or legal guardian, a security freeze is one tool you can use to restrict certain access to your minor dependent’s credit report. Unfortunately, that means they present a blank slate for fraudsters who can apply for credit and take out loans in their name. You'll need to provide documentation to verify their identity, your identity and your ability to act on their behalfĬonsumers under the age of 18 typically do not have credit reports.A security freeze is one tool you can use to restrict access to your minor dependent's credit reports.Minors under 18 typically do not have credit reports.

Equifax security freeze or credit file lock