Youth Credit Check

You Deserve a Clean Credit Report

If you’re 14 or older and in foster care, you have the right to check your credit report and get help fixing any problems. Sometimes, other people use your name to get a loan, which can hurt your credit when you become an adult. This site is here to help you and your caseworker fix that.

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Get a Free Credit Report from AnnualCreditReport.com

Only use the free official site of AnnualCreditReport.com (others might try to charge you). You can do this every week.What You’ll Need
Your full name
Social Security Number
Date of birth
Current addressYou will get a personal, individual report from each of the three main credit bureaus. If you are under 18, there should not be anything on it.Look for anything that isn't right - an account you never opened or an address you never lived. Then you can tell each one to fix the mistake.

Equifax

Tell them

Tell Equifax about a mistake on their report on you

Experian

Tell them

Tell Experian about a mistake on their report about you

TransUnion

Tell them

Tell TransUnion about a mistake on their report about you

Getting more help

If the credit reports are clean, great! Nothing to worry about and good job for checking. Your state child welfare agency has to help anyone 14 or older in foster care get a free credit report every year and help fix the mistakes but sometimes the caseworker or agency doesn't get to it or isn't sure how to helpIf there is anything on your report, that means someone probably lied and used your name to get money. That's not fair to you. You and your caseworker can use this website to get those lies off your credit report by telling each of the three bureaus. And you can get more help here.The Identity Theft Resource Center (call or text 888.400.5530 for free)
National Foster Youth Institute
FosterClub