Identity theft, when an individual uses your personal information such as your Social Security number or bank account without your permission to commit crimes, can happen to anyone---even children. In fact the Federal Trade Commission reports that approximately 400,000 children fell victim to identity theft every year. Fortunately, there are many ways you can protect your child from this credit debilitating crime.
Step 1
Check the "History" tab of your child's Internet browser often to monitor his Internet activity. The Experian website explains that this is especially important if he makes online purchases or frequents social networking sites. Be sure your child is not visiting questionable sites or giving out too much personal information online.
Step 2
Keep your computer in a common room of the house where the monitor is clearly visible to all. According to the San Diego District Attorney website, the presence of others can affect the way a child uses a computer and keep her away from websites that may unknowingly infect the computer with information stealing software.
Step 3
Store your child's Social Security card in a safe location in the house. Do not allow your child to carry it in his wallet where it could be easily stolen or lost.
Step 4
Explain the dangers of identity theft to your child. Tell her how important it is to keep her personal information private, including full name, age and address. Teach her to delete spam e-mails that ask for personal information.
Step 5
Create a contract that specifies the amount of time your child is allowed to use the computer, what Internet sites are permissible, and rules that must be followed while online. A pledge from your child may help dissuade him from breaking any rules.
Tips and Warnings
- According to the Experian website, it is important to monitor mail for suspicious documents such as credit card offers for your child. Instead of providing a credit report, some credit bureaus, such as Experian, will notify a lender if the records being accessed belong to a child. As a result, the lender can cease the transaction and protect the child's credit from fraud.
- If your child has been victim of credit fraud, the San Diego District Attorney website suggests contacting your local police department immediately. Do not try to catch the thief yourself. Leave all evidence on the computer untouched and intact for authorities to investigate.
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