We hear a lot about identify theft and most of us take the necessary steps to guard ourselves from thieves. What parents need to realize is that adults aren’t the only ones who may become the victims of identity theft. If you have a social security number you are at risk and that includes infants, young children and teens. And in some cases the perpetrator is known including the child’s own non-custodial parent.
It is important that you take the necessary steps to guard against having your child’s identification stolen. Identity theft occurs when someone uses your information to open new accounts, commit crimes or perhaps get a job. In most cases you won’t know about the theft of your child’s identity until it’s too late. And you will have to go through a lot to get the mess straightened out.
The first tip-off might be when your child starts receiving inappropriate offers in the mail, for instance, credit card offers. If the thief defaults on loans or credit cards, a collection letter might be the first clue that something is wrong. For older teens the first sign that something is wrong might be getting denied a drivers license because someone already has one with that social security number.
You can take steps to prevent ID theft for your child much in the same way as you protect your own information. Seems like too many people today request a Social Security number when they really don’t need it. Your child’s doctor or school might need that information, but should you be forced to give it out in order for your child to participate in a sport at the local recreation park? It’s also a good idea not to carry your child’s card with you unless you know you need to show it for a legitimate reason.
As adults we are urged to get our free yearly credit report from the big three, Equifax, Experian and Transunion. To be on the safe side, you should also request one for your kids.
To find out more about ID theft, I would recommend a few web sites that have information on prevention and also what to do if you become a victim.
The ID Theft Center
Federal Trade Commission
The FBI Internet Complaint Center
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