North Carolina Parents Can Now Freeze Their Child's Credit

December 30, 2015, Written By Bill Hardekopf

Beginning January 1, parents in North Carolina will have a new way to protect their children’s identity before they turn 18. A new state law from the Department of Justice will allow parents to put a security freeze on their child’s credit to help prevent identity theft while the child is a minor.

credit freeze can stop people from opening credit card accounts and taking out loans in someone else’s name if they have acquired a Social Security Number and other personal details. The freeze acts as a safely measure, giving the person peace of mind that his or her credit is protected.

Children’s Social Security Numbers are exposed in a number of settings, from signing up for a program at school to applying for summer camp. Identity thieves can use this information to destroy a child’s credit before the child even has a chance to build up a credit score. Under the new law, parents will have a way to prevent that issue from happening so their children can enter adulthood with a clean slate.

Parents must pay $5 to freeze their children’s credit, but the freeze will extend across all three credit bureaus.



The information contained within this article was accurate as of December 30, 2015. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About Bill Hardekopf

Bill Hardekopf is the CEO of LowCards.com and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
View all posts by Bill Hardekopf