<prompt> Human: I monitor me and my wifes credit reports through Credit Karma and annual reports straight from the reporting agencies. My question is, should I be doing the same for my 2 year old son? This seems crazy doesnt it? What prompted my thought is that recently we got a letter saying the database for our Health Insurance company was compromised and thus my wife and sons data was vulnerable. Is it reasonable to assume that someone could use his info and damage his credit?  <response>: Credit agencies wont track minors personal information, so you cant do it online like you can with you and your spouse. You can lock a minors credit identity with the credit reporting agencies, the IRS and SSA, but it has to be done via letters. Its not fun. 