Children can be vulnerable targets for identity theft, because those under the age of 18 typically do not have credit reports. Show
That means children are often a blank slate for fraudsters who can apply for credit and take out loans in their name. Use of a child’s Social Security number for fraudulent purposes can go undetected for years, since parents may not check to see if their children have credit reports. It’s only later, when the child is a young adult and may be attempting to rent an apartment or get a credit card, that the identity theft is discovered. Children’s information can also be used in what’s known as “synthetic identity theft.” This occurs when fake identities are created using information from different people or false information. It can also include real Social Security numbers. Identity thieves can also use children’s Social Security numbers to file a false tax return, or attempt to use it to claim a child who is not theirs on a tax return for tax credit purposes. The thought of someone stealing your child’s identity can be frightening. But there are some steps you can take to help better protect their information. Check your child’s credit reports Start by checking to see if your child has a credit report. If they do, that may be a red flag indicating possible identity theft. If a credit report is found, inform the credit bureau it may be fraudulent. You may need to provide documents to credit bureaus to verify your child’s identity and your own. Consider a free security freeze Security freezes are one tool you can use to prevent access to your child’s credit reports. A credit report will be created for your child, then frozen. If you are the parent or legal guardian of a child under 16, you can place a security freeze on their credit reports. You’ll need to provide proof of your identity and theirs and proof that you are their parent or legal guardian. Security freezes must be placed separately with each of the three nationwide credit bureaus. Download the Equifax Minor Freeze Request Form for instructions on placing a security freeze, what documents you’ll need and the mailing address. You can also contact Experian and TransUnion. Consider a credit monitoring product You can look for a credit monitoring product that allows you to add children and monitors their credit reports for activity. Some products may allow you to lock or unlock your child’s credit report. Keep your child’s documents in a safe place This includes your child’s Social Security card, birth certificate, medical insurance card, any legal documents and his or her passport. Don’t share your child’s personal information unless it’s absolutely necessary Ask whether your child’s doctor needs his or her Social Security number, or if you could provide the last four digits. If you must provide it to his or her school, ask how the information will be protected and who can access it. Educate your children about online behavior As your child grows older, educate him or her about online privacy and security, and set rules for what information cannot be shared online. Talk to them about how to politely refuse when asked to share personal information online or in person. You can also help them set strong passwords on accounts and devices. If your child is a victim of identity theft If your child’s identity has been stolen, here are some steps you can take:
The FTC recommends checking to see if your child has a credit report as his or her 16th birthday nears. If there is a credit report, you may have time to address the situation before your child is applying for a job, an apartment or a vehicle loan. If you need to register with Social Security, you need to come in to Customer and Local Services at La Motte Street and we'll be able to register you. You'll need:
Once we have all your details, you will be given a Social Security number and we will print your registration card. You must show this card to your employer and you may also need to show it to your landlord. Paying contributions if you’re employed Paying contributions if you're self-employed Registration cards Why you need to registerYou will need to register with us as soon as possible, as you need a Social Security number and registration card before you can work and be paid. Both you and your employer will be breaking the law if you are employed for more than two working days or paid any wages or salary without your employer taking a copy of your Social Security number and photo ID. Registering with Social Security if you're new to JerseyIf you've recently moved here, you'll need to register with Social Security (at Customer and Local Services), the Taxes Office, and with the Health and Community Services Department. Becoming a Jersey resident Registering with Social Security if you’re a Jersey residentIf you have turned 16 or are starting your first job and you don’t have your own Social Security number, you'll need to come to Social Security (at Customer and Local Services) and register. It’s possible that your parents / guardian have already registered you and you already have a number. Registering your child from birthWe are registering every child from birth. For babies born in Jersey on or after 15 September 2015, we will register your child automatically and give them a Social Security number. We will also hold a copy of your child’s birth certificate on record, so there is no need for you to bring one in. To register your child if they are not Jersey born, or were born before 15 September 2015, you’ll need to come in with their original birth certificate. We'll give them a Social Security number which you’ll need any time you take your child to the doctors or pick up a prescription for them. Parents or guardians can register a child up until the age of 16, after which they’ll need to come in and register themselves. Registering in Jersey with a work permit from another countryYou may need to visit our immigration department before registering with us, depending on what country you have come from. You need to do this even if you have a work permit from outside Jersey. The immigration department will give you a Jersey work permit which you must bring with you when you register with us. Countries that do not need a work permit Changing your blue registration card to a red registration cardYou will need to change from a blue registration card (FR1) to a red registration card (XR1) if you are continuing to work and have:
You must then show your red card to your employer which will let them know that they are not to make any Social Security deductions from your wages. |