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  • Writer's pictureAndy Murphy

Should You Freeze Your Child’s Credit? One Parent’s Process

Updated: Sep 9, 2020

How to Freeze Your Child's Credit

How to Freeze Your Child's Credit

Have you given much thought to your children’s financial future? Maybe they have a savings account or a college fund, but are you doing anything about protecting their future credit? Freezing your children’s credit makes a lot of sense and it’s not very hard to do.

It’s not as easy as calling the credit brokers on the phone or filling out a form online, but it’s also not brain surgery either. If I can do it, you can do it! And that is why I created a comprehensive guide just for you.

What is a Request to Freeze Credit?

For a person over 18 years or older this means contacting the big three credit companies and asking them to lock the activity on your account. No one can run a credit check on you because you’ve told the companies like Equifax, Experian and TransUnion not to allow any credit activity on your social security number.

No one, not even you, can open a credit card with your social security number, run credit for a lone or anything like that. This keeps thieves from stealing your good name and credit without you knowing. If you do need to open a credit card account or apply for a loan you can temporarily unfreeze the account or unfreeze it permanently.

Are My Children at Risk?

But what most people don’t think about, understandably, is that their kids’ credit is at risk too. I know you are wondering how that’s possible as your kids are like 4 months and 3 years old, right? As long as a person has a social security number, they’re at risk of credit fraud.

And no, when companies run social security numbers for credit information, the process does not include the age, race or gender of the holder. So a 40-year-old Caucasian man can pass for a 4 year old Hispanic girl without anyone knowing. That’s why this type of scam is so easy.

This is why it’s important to freeze your children’s credit, so you can protect them well into the future. I’d hate for your kids to need a loan for a car at 20 and find out someone ruined their credit a decade earlier because someone bought a boat in their name and then defaulted on the loan.

Be proactive and freeze our children’s credit now so they can have a strong financial future.

I’ve done this process myself and I’m going to tell you what I did, what I learned and what I’d encourage you to do.

While I’m going to provide you with a general overview of the process, I strongly encourage you to research each step of this process on your own. Don’t only follow what I say in this podcast, article and free PDF guide.

In my free PDF guide, How to Freeze Your Child’s Credit, you’ll learn what I did to complete this process and what I suggest you do to make the process easier.

Click the image below to get the free guide.


Andy Murphy

Andy Murphy founded The Secure Dad in 2016 with the aspiration to help families live safer, happier lives. What started as a personal blog about family safety has turned into an award-winning podcast, an Amazon best-selling book, and online courses. He focuses his efforts in the areas of home security, situational awareness, and online safety.


Andy is a husband and father. His interests include coaching youth basketball, hiking, and trying to figure out his 3D printer.

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