What is Child Identity Theft?
Child identity theft occurs when a child’s identity is used by another person for the imposter’s personal gain. The perpetrator may be a family member or someone
known by the family. It could also be a stranger who purposely targets children because of the often lengthy time between the fraudulent use of the child’s information and the discovery of the crime.
There are some cases that appear to be identity theft but are not. Receiving a pre-approved credit card offer in your child’s name might upset you as a parent. However, it might only be an innocent marketing tool sent by an affiliate of your bank because you opened a college fund for your child. A quick check of credit reports will help you sort out the truth. Currently, all three reporting agencies use automated systems for ordering credit reports. You should contact them directly and request a credit report for your child. If you are told that there is no credit report, that is good news. The reality is that a credit report should not exist until that child’s first credit application as an adult.
Minnesota doesn't provide a specific law allowing parents to freeze a minor’s credit report before a problem occurs. However, any adult Minnesotan can impose such a freeze on his or her personal credit report for any reason. More information