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The effects of child identity theft can be severe, including being denied a loan for major purchases such as buying a car or going to school due to bad credit. Identity theft may also prevent your child from getting a job or receiving government benefits such as healthcare or nutrition assistance.
Warning signs of identity theft Bills for items you did not buy. Debt collection calls for accounts you did not open. Information on your credit report for accounts you did not open. Denials of loan applications. Mail stops coming to, or is missing from, your mailbox.
Contact the Internal Revenue Service (IRS) at 1-800-908-4490 or visit them online, if you believe someone is using your SSN to work, get your tax refund, or other abuses involving taxes. Order free credit reports annually from the three major credit bureaus (Equifax, Experian, and TransUnion).
Warning Signs of Child Identity Theft Unexpected bills addressed to your child. Collection notices that arrive by mail or phone, targeting your child. Denial of government benefits for your child on the basis that they've already been paid to someone using your child's Social Security number.
Contact the three major credit bureaus and ask for them to check for files relating to your child's name and social security number. Note: Only parents/guardians of children may ask to see a child's credit file.
If you listed your child as a dependent on a previous tax return, you should find their social security number (SSN) on that form. Otherwise, you can contact the Social Security Administration at .ssa.gov.
If you believe a thief is using your Social Security number to work or claim Social Security benefits, call the Social Security Fraud Hotline at 1-800-269-0271. Or report Social Security benefits fraud online at .
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