Tag Archives: Credit History

Q of the W: Credit Reports for Non-Minor Dependents

Q: I’m working with a Non-Minor Dependent (NMD) that is experiencing identity theft. I thought requirements were in place to prevent this type of thing from happening. Do NMDs receive assistance with checking their credit histories and addressing identity theft?

A: Yes, Non-Minor Dependents (NMDs) may receive assistance from their county social worker or probation officer with checking their credit histories and addressing identity theft, however because NMDs are adults who have the choice to request their credit reports just as any other adult can under federal law, the assistance they receive is at the discretion.

County agencies are required to inform NMDs of the advisability of requesting credit reports and provide annual assistance in doing so if the NMD desires. Specifically, the social worker or probation officer must ensure the NMD receives assistance in requesting and reviewing the reports. If a NMD needs help requesting their credit reports, counties can obtain written permission from the NMD to request their credit reports on their behalf. County agencies must refer NMDs to appropriate resources to aid in clearing their credit reports of inaccuracies.

If a NMD does not request their credit reports on an annual basis, the social worker/probation officer is encouraged to continue to discuss, at monthly visits or other opportunities, the importance of checking one’s credit reports and maintaining good credit as part of a healthy financial management strategy.

Citation: California Department of Social Services, All County Information Notice I-47-19 (2019); All County Letter 14-23 (2014)

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