[Porsche-O-Phile]

Fraud Alert plus Freeze. NOT one of the "monitoring " products that the credit bureaus will try to foist onto you (with a few associated with it of course). Definitely good to do for yourself and elderly parents and dependents (doing that for mine now). Kids are slightly different - the rules for freeze requests involving minors are state by state: in most the child's record is checked and if one exists, it's frozen until they turn 18. If no record exists either (1) one is created and frozen until they turn 18 (some states) or (2) the request is ignored and goes into the trash bin (other states). I'd tend to think it'd be FAR better to have a record created and frozen until they attain age of majority (the creation of one in their name is sadly inevitable anyway); their continuing to have "no record" after the request means someone can still potentially grab their name and SSN and raise hell that you'd never know about and that they'd be stuck with upon turning age 18. I don't think any parent wants that for their kid(s). Why the heck there isn't a national requirement to create and automatically freeze ALL records at birth or upon issuance of an SSN is beyond me. At the very least "create record and freeze until turning age 18" should absolutely be the default for a freeze request involving a minor. Anything else is frankly derelict, but these companies seem to not give a fart in the wind about doing the right thing.