The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Information on this website may not be current. This website may contain links to other third-party websites. Such links are only for the convenience of the reader, user or browser; we do not recommend or endorse the contents of any third-party sites. Readers of this website should contact their attorney, accountant or credit counselor to obtain advice with respect to their particular situation. No reader, user, or browser of this site should act or not act on the basis of information on this site. Always seek personal legal, financial or credit advice for your relevant jurisdiction. Only your individual attorney or advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, contributors, contributing firms, or their respective employers.
Credit.com receives compensation for the financial products and services advertised on this site if our users apply for and sign up for any of them. Compensation is not a factor in the substantive evaluation of any product.
To view your credit report, you typically have to provide the credit reporting agencies with your Social Security number. You’re also generally asked to answer some security questions, based on information on your credit file, to verify it is, in fact, you requesting the report. (Sample Q: What is the name of your student loan servicer?)
But, while a child or other close relative may be privy to some or all of this personal information, using it to access your credit report could get them into hot water.
“If you falsely use another person’s identification to request their report, you could be committing fraud, particularly if you do not have their permission,” Rod Griffin, Director of Public Education at Experian, said in an email.
That’s not to say your kids are totally barred from looking at your credit.
The Fair Credit Reporting Act limits access to a person’s credit history, but provides a few exceptions. Third parties, like landlords and even employers, for instance, can pull a version of your credit report with legal authorization — usually something you directly provide when you fill out your lease application or sign a background check form.
This type of authority could extend to your next of kin. For instance, power of attorney will enable the person assigned that authority to obtain the report of the individual for whom they have power of attorney, Griffin said.
So, for instance, if you were suffering from an illness that precluded you from managing your finances, your child could take over if you or a court gave them legal authorization to do so.
Keep in mind, you can pull your own credit reports for free once a year (go here to learn how) and show it to your child (or any friend or total stranger, as a matter of fact, though it’s generally a good idea to keep this personal information to yourself to minimize the odds of identity theft). So, if you were interested in using your credit report to teach your kid a financial literacy lesson, you could do it that way. You could also direct your child to materials that teach them about pulling and understanding their own credit. For instance, you and your family members can each view your free credit report summary, each month, on Credit.com.
Image: adrian brockwell
March 7, 2023
Credit Score
January 4, 2021
Credit Score
September 29, 2020
Credit Score