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The only caveat to this is that as of today both my kids appear to be "ghosts", as we used to say in the car business. Neither of the three major credit reporting agencies recognize my kids when I try to run the annual free credit report that is available by law once a year at annualcreditreport.com. So I'm not sure how to freeze their credit if they don't even have an active credit file with Transunion, Experian or Equifax. I'll have to do some more homework on this. Ideas welcome.
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