This post originally appeared September 22, 2016 on CreditCards.com as “Credit bureau policies vary when freezing a child’s credit”
By Barry Paperno
Dear Speaking of Credit,
Why can’t I put a credit freeze on my children under the age of 18? – John
A credit freeze, also known as a security freeze, lets you restrict anyone else’s unauthorized access to your credit reports and scores by essentially shutting the door to all credit history associated with your Social Security number. Then, when no credit report or score is available to a creditor evaluating a fraudulent credit application, the application is typically declined and fraud has been prevented.