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Be on the Lookout for Student Identity Theft
Why are children at risk?
Children have unused - and hence unblemished - credit histories. And since they have been unused, most parents never think of monitoring them. That makes them attractive targets to identity thieves.
What type of information would an identity thief need to open up a credit card account in your child's name, or apply for a loan, a tax refund, or for a scholarship? They'd want things like full name, address, birthdate, and social security number. They'd probably also like to know what school, parents names, and maybe sibling names.
This information used to be difficult to obtain. But not in today's world, where much of this is voluntarily posted on social media pages, or available for as little as $1 on the dark web as a result of all those giant database hacks.
Once an identity thief has succeeded in stealing a child's identity, the theft may not be discovered until the real person applies for a loan or a job or tries to rent their first apartment.
What can you do?
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