Credit Freeze for Kids Act

This bill allows parents or guardians to place free credit freezes on their minor children's credit reports. It requires credit bureaus to act within 3 business days when receiving verified requests from a child's representative, including proof of identity and authority. The law mandates that bureaus notify other credit bureaus about the freeze request to ensure full coverage. The provisions take effect 18 months after the bill becomes law. This directly affects minors and their representatives seeking to prevent identity theft or fraudulent credit accounts in a child's name.