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Most parents apply for a social security number after a new baby is born. This social security number is all that is required to open most credit accounts. It could be years until a child applies for credit in his or her own name. That time allows years for an identity theft to go undetected, and that could have serious consequences. Find out how to protect your family from this type of fraud at TransUnion.
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(Partial Transcription)
Children make a tempting target for identity thieves, and theft of a child's identity may go undetected for years. Most parents apply for a social security number after a new baby is born, which is all that is required to open most credit accounts. It could be years until a child applies for credit in his or her own name. That allows years for an identity theft to go undetected, and that could have serious consequences.
• Identity theft will affect your child's credit and employment history if the thieves obtain credit accounts or even get jobs using the child's identity.
• If the thieves are arrested for other crimes, those crimes could become associated with your child's record.
So how would you know if your child's identity may have been stolen? Here are some things to watch out for:
• Your child begins to receive suspicious mail, like pre-approved credit cards and other financial offers normally sent to adults, in his or her own name.
• You try to open a financial account for him/her but find one already exists, or the application is denied because of a poor credit history.
• A credit report already exists in his or her name. If the child has one, he/she may have been targeted already, since only an application for credit, or becoming an authorized user on a parent's credit account, or a public record starts the compilation of a consumer credit file.
