In the recent past, freezing a child’s credit report was difficult and unnecessary. Since the compromise at Equifax many experts have changed their position about credit freezes for children. However, the landscape still hasn’t changed. It is still difficult to freeze your child’s credit report depending on where you live. Most states won’t consider freezing a child’s credit report unless it has already been compromised. Credit thieves recognize the misuse often remains undetected for years until the child applies for their first credit card. The states that currently require bureaus to create reports for those under 18 in response to a freeze request are Alaska, Arizona, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, New York, North Carolina, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin, according to the National Conference of State Legislatures.
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Rev. Dr. Donna Taylor is the Pastor of Andrew Chapel United Methodist Church (UMC) in Montross, VA. Rev. Dr. Taylor promotes best practices by teaching financial literacy workshops and currently serves as Finance Chair in the Rappahannock River District for the UMC. In May 2015, Rev. Dr. Taylor received her Doctor of Ministry from Virginia University of Lynchburg in Lynchburg, Virginia. Rev. Dr. Taylor was born and raised in New York City and recently discovered her ancestral roots in Guinea-Bissau, West Africa. Rev. Dr. Donna Taylor is married to David Taylor and they have a son and a daughter. Their daughter is a educator and son is an Active-Duty Senior Seaman in the Navy married with three children. In her leisure time, she enjoys traveling, reading, swimming, writing poetry, crocheting and spending time with her family.