Can I access my 17 year old son’s credit report?

Dear James,

My son is 17, can I check his credit report as when I register it doesn’t let me put in his date of birth for the year 1999?

Sultana, Ilford

Dear Sultana,

Credit is not usually provided to people under the age of 18 as if it is not repaid it cannot be enforced through the courts. As a result, it’s highly unlikely that any financial information has been registered under your son's name. When he does turns 18 he will be able to access his credit report from each of the credit reference agencies whenever he wishes. Due to the fact credit information is private, only your son can apply for a copy of his own credit report, but you can certainly guide him on how to do this. You should find links to order a £2 statutory credit report on each of the three credit reference agency websites. It would be sensible for your son to start thinking about ways he can begin to build a credit profile and, hopefully, a positive credit history.  A good place to start right now would be registering on the electoral roll and your son can find out more about how to do this at About My Vote.  For more hints and tips for young people our informative student guide should give some valuable advice and tips on ways to establish a positive credit rating, including starting from scratch.  (September 2016)


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