Child Security Freeze

REQUESTING A SECURITY CREDIT FREEZE FOR A MINOR CHILD’ CREDIT REPORT

The New York Times has warned that “if you try to set one up for your child, you’re in for a battle.” The agencies want reams of information, including copies of your child’s birth certificate and Social Security number plus certain bills that prove where you live. Equifax and TransUnion ask you to put all of this private information in an envelope and drop it into a mailbox.”

EXPERIAN

Experian presently does not process online requests to freeze your child’s Pii in their database.

Experian requires parents to mail a form identifying themselves to – Experian, PO Box 9554, Allen, TX 75013, containing the following information and documents:

  1. Identification information of your minor child:
    • your child’s full name, with middle initial and generation, such as JR, SR, II, III, etc.,
    • Social Security number,
    • date of birth,
    • current mailing address and previous addresses for the past two years.
  2. Your full name, with middle initial and generation, such as JR, SR, II, III, etc.,
    • your Social Security number,
    • your date of birth,
    • your current mailing address and previous addresses for the past two years.
  3. Copies of the minor’s:
    • birth certificate, and
    • Social Security card.
  4. One copy of your government issued identification card, such as a driver’s license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.

EQUIFAX

Equifax presently does not process online requests to freeze your child’s Pii in their database.

Equifax requires that any request for a security freeze on a minor must be submitted in writing to – Equifax Security Freeze, P.O. Box 105788, Atlanta, Georgia 30348, containing the following information and documents:

  1. Information and documents of representative or guardian, including parent
    • complete name, including any suffix (e.g. Jr., Sr., etc.),
    • complete address,
    • copy of a Social Security Card, or a certified or official copy of a birth certificate,
    • copy of a driver’s license, an identification card issued by the Motor Vehicle Administration or any other government issued identification, or a copy of a utility bill that shows name and home address.
  2. Information and documents of a minor:
    • complete name, including any suffix (e.g. Jr., Sr., etc.),
    • complete address,
    • copy of a Social Security Card
    • FOR MINOR, a certified or official copy of a birth certificate
    • FOR PERSON UNDER GUARDIANSHIP OR POA, an order issued by a court of law, a lawfully executed and valid Power of Attorney, or a written, signed and notarized statement that expressly describes your authority to act on behalf of the protected consumer.

TRANSUNION

TransUnion presently does not process online requests to freeze your child’s Pii.

TransUnion limits child security credit freezes to those states that make child security credit freezes mandatory: Arizona, Connecticut, Delaware, Florida, Georgia, Illinois, Iowa, Louisiana, Maine, Maryland, Michigan, New York, North Carolina, Oregon, South Carolina, Tennessee, Texas, Virginia and Wisconsin.

Parents or guardians in any state can query TransUnion’s database for possible child identity theft.  To do so, they must submit a Child Identity Theft Inquiry Form.  According to its website, if TransUnion “locate[s] a file in your child’s name, [Transunion] will ask you for additional information in order to proceed with steps to protect your child from any impact associated with this fraudulent activity.”

TransUnion requires requires that any request for a security freeze on a minor from a qualifying state must be submitted in writing and mailed to: TransUnion Protected Consumer Freeze, P.O. Box 380, Woodlyn, PA 19094.

  1. Required Documentation:
    • A written request to place a “protected consumer freeze” on the named individual’s file, AND
    • One of the following qualifying documents indicating that the requestor has Proof of Authority of the named individual:
      • Court Order
      • Power of Attorney (not applicable for NY, TX or UT residents)
      • Written, Notarized and Signed Description of Authority (not applicable for VA residents); AND
  2. One of the following identification documents for both the named individual and the parent/representative:
    • Proof of social security number (i.e. SSN card) (not required for IL residents)
    • Proof of name and address (Driver’s License, State of Gov’t Issued ID Card) (Not required for GA residents)
    • A copy of a bill that shows a name and home address (required for residents of DE, LA, MD, and VA)
    • Copy of Birth Certificate (for minor’s) (not required for IL residents); AND
  3. The required fee via check or money order (click here to view your individual state requirement )