No. If your child is a minor, he or she really shouldn't have a credit file. After all,
your child isn't eligible for credit cards, mortgages, or other loans—the kinds of items
that would appear on a credit report.
If they have never had credit issued in their name, they would not have a credit history,
and credit scores could not be calculated and credit monitoring cannot be initiated.
If you suspect your minor child is a victim of identity theft, there are three nationwide
credit reporting companies: Equifax, Experian, and TransUnion. Contact each credit reporting
company and ask it to search to see if your child has a credit report. Each company will
check for files related to your child's name and Social Security number, and also for files
related only to the Social Security number. You must provide the credit reporting companies
with proof that you are the child's parent or legal guardian