Identity theft of minors is a fast-growing and largely unreported crime that affects many Americans each year. With this Guide for Protecting Minors from Identity Theft, minors and parents of minors will learn how to effectively deal with creditors and government agencies after the minor's identification is lost or stolen. This guide is designed to help a minor or the minor's parent clear the minor's name, and reduce the time and expense involved with dealing with identity thieves. The information in this guide is essential to assist in remedying and protecting a minor's credit, financial assets, and job opportunities, as well as preventing misuse of benefits, false arrests, and other fraudulent uses of a minor's identification. Helpful tips on preventing identity theft, useful links, and more, are also included.
Massachusetts Guide for Protecting Minors from Identity Theft
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FAQ
A credit card is essentially a means of taking out a loan; as such, you must be 18 to get one. If your child is under 18, the only way for them to ?get? a credit card is to add them as an authorized user to an existing account. An authorized user is allowed to use the card but isn't responsible for paying the bill.
Unfortunately, scammers have discovered that they can use your child's sensitive information ? name, date of birth, and Social Security number (SSN) ? to take out credit cards, open loans, and more.
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.
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.
The criminal offense of identity fraud is governed by Massachusetts General Laws chapter 266 section 37E and makes it a crime to either pose as another or obtain the personal identifying information of another without that persons express authorization in order to obtain money, goods, services or anything of value or ...
Kids under the age of 6 don't need credit or loans. It's identity theft if you use their social security numbers with your name to get a loan for yourself. If you use their names and their SS#s, they can't qualify for a loan.
Minors under the age of 18 cannot open their own credit cards by law (or get approved for other forms of credit), so adding children as authorized users is a simple workaround many parents use to give their kids access to the convenience and benefits of a credit card.
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.
