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Ask Jean: Kids and Credit

mailbagmonday“Do you recommend parents conduct a credit freeze for their minor children?”

– Tim, via Twitter

You actually can’t freeze a credit report unless there is a credit report to freeze – and your children, unless they’ve already been victims of identity theft or you’ve added them as an authorized user for your credit card, shouldn’t have a credit report.  So unless you have reason to suspect fraud – in which case, you can contact a credit bureau to see if a file has been created using your child’s Social Security number – I’d focus on protecting your children’s identities in other ways:



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