How Do I Put a Lock on My Child’s Social Security Number?

Safeguarding a child’s identity is essential in today’s digital age, where identity theft is a growing concern. Placing a lock on a child’s Social Security Number (SSN) is an effective measure parents can take to prevent unauthorized access to financial information and misuse.

Eligibility for a Minor’s SSN Lock

To lock a minor’s Social Security Number, parents or legal guardians must meet specific criteria. This lock is typically available for minors under 16, who are particularly vulnerable to identity theft. The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) emphasize the importance of evidence of attempted identity theft or a breach of personal information. While procedures may vary by state, many follow similar frameworks. Credit reporting agencies like Equifax, Experian, and TransUnion may have additional requirements, so guardians should familiarize themselves with each bureau’s process.

Documentation Needed

Locking a child’s SSN requires specific documentation to verify identity and authority. Parents or legal guardians must provide proof of their identity, such as a government-issued ID, along with a certified copy of the child’s birth certificate and Social Security card. Legal guardians must also present court-issued documents confirming their guardianship if they are not the biological parent.

Requesting a Freeze Through Bureaus

Initiating a freeze on a minor’s SSN involves contacting Equifax, Experian, and TransUnion. Each bureau has its own procedures, so understanding their requirements is crucial to avoid delays.

Proof of Guardianship

Proof of guardianship is a key requirement when requesting a freeze. Legal documents like a court order of guardianship or a notarized affidavit must be submitted. These documents comply with the Fair Credit Reporting Act (FCRA), which ensures only authorized individuals can request a credit freeze. Keeping copies of these documents is advisable for future reference.

Submitting Requests

Guardians must contact each credit bureau individually, as there is no centralized system for submitting freeze requests. Requests can be made online, by mail, or by phone, depending on the bureau’s process. Each bureau provides specific forms on its website, which must be completed and submitted with the required documentation. Some states waive fees for minor credit freezes, so guardians should confirm this with each bureau. Once a request is processed, the bureau provides a confirmation number or PIN, essential for managing or lifting the freeze.

Confirmation Steps

After submitting a request, guardians receive confirmation from each credit bureau, including a unique PIN or password. This information is necessary for maintaining control over the freeze and for lifting or removing it in the future. Guardians should store this information securely. Verifying the freeze by checking the child’s credit report is an additional step to ensure the process was successful.

Verifying Lock Status

To confirm the lock is active, guardians should request a copy of the child’s credit report from each major credit reporting agency. Under the Fair Credit Reporting Act (FCRA), individuals are entitled to one free credit report annually from each bureau. Reviewing these reports helps detect irregularities, such as unexpected accounts or inquiries, which may indicate unauthorized activity. Any suspicious findings should prompt immediate action, including contacting the bureaus to investigate and resolve potential breaches.