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They may think it's okay to use their child's identity temporarily. But if you don't pay it back, you will damage your child's credit score and set them up for financial hardship when they reach adulthood. The law remains the same, regardless of the circumstances.
One of the best ways you can prevent someone from stealing your identity is to freeze your credit?and it may be a good idea to do the same for your children. Credit expert John Ulzheimer says children are easy targets because they have no credit history.
? Iowa law defines Identity theft as follows: A person commits the crime of Identity Theft if the person fraudulently uses or attempts to fraudulently use identification information of another person, with the intent to obtain credit, property, services, or other benefit. Iowa Code Section 715A. 8.
A freeze can give you a false sense of security ? you may still be susceptible to credit fraud or other fraud involving your Social Security number.
No you cannot. If someone else tries to use your child's SSN and your return gets rejected because of that, you have to file your return by mail. The IRS will then contact both parties to determine who had the legal right to claim the child.
The Bottom Line You are entitled by law to freeze your credit reports anytime, for free. To do so, you must request a security freeze at each of the national credit bureaus individually. Freezing your credit limits criminals' ability to open loans and credit card accounts in your name.
One of the best ways you can prevent someone from stealing your identity is to freeze your credit?and it may be a good idea to do the same for your children. Credit expert John Ulzheimer says children are easy targets because they have no credit history.
Are My Children at Risk Of Identity Theft? Highlights: Check your child's credit reports. Consider a free security freeze. Consider a credit monitoring product. Keep your child's documents in a safe place. Don't share your child's personal information unless it's absolutely necessary.