Due to the recent data breaches people have been electing to freeze their credit.
If you have gone through it already then you understand, but lest we forget our children all have SSN’s too and can have credit opened on their behalf.
Freezing credit includes contacting TransUnion, Experian, and Equifax. It is a relatively painful process unless you have 1/2 a day to wait on the phone for each vendor.
If you want to consider creating a credit file for your child (before someone else does) so you can freeze their credit it is even more difficult.
TransUnion has a process that is less burdensome than the others, and you will be able to freeze a minor’s credit at TransUnion, Equifax, and Experian using this form