Does my child have a credit report?

It’s possible. Identity theft is making it increasingly important for parents to check a child’s credit report. Why? Crooks know that children and their parents probably don’t check the child’s credit history until the child becomes old enough to need credit. If false accounts are set up with the child’s name and Social Security number, any negative information on the report may hurt the child’s ability to obtain credit, insurance, loans, housing, and even a job when he or she is older.