![]() We won’t post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions.We expect commenters to treat each other and the blog writers with respect. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. But keep in mind, this is a moderated blog. Your thoughts, ideas, and concerns are welcome, and we encourage comments. The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. For more information about child identity theft, read the FTC’s Child Identity Theft: What to Know, What to Do and online Child Identity Theft article And check out our joint blog to learn about how the new credit law affects adults who have a guardian or conservator. Child welfare agencies who already work with consumer reporting agencies to pull and review credit reports for youth in their care can use the same company contacts and liaisons to facilitate the security freeze process.įor more information about security freezes for children in foster care settings, read the CFPB’s guidance. They have to show documentation certifying that the child is in the agency’s care, such as a written communication or an official letter from the child welfare or probation agency or its designee. The new law says that child welfare or probation agency representatives acting on behalf of a young person in foster care can request a security freeze for that child. Parents need to show proof of their authority, like a birth certificate, to freeze or unfreeze the credit file for their child under 16. It’s there just to make sure the child’s record is frozen and protected against identity theft and fraud.ĭepending on the adult’s relationship to the child, there are different procedures to put a freeze in place. ![]() This record can’t be used for credit purposes. If the nationwide credit reporting agencies don’t have a file on the child, they will create one so they can freeze it. The new law also lets people like parents, guardians, and representatives acting on behalf of a young person in foster care proactively protect a young person’s credit file by freezing it. ![]() To find contact information for placing a free credit freeze, visit /credit bureau contacts. With the new law, it’s free to freeze and unfreeze your credit file at the three nationwide consumer reporting agencies – Equifax, Experian, and TransUnion. That makes it harder for identity thieves to open new accounts using your personal information. While a security freeze won’t affect anything already on your credit report, it restricts access to your report. Minors typically don’t have credit reports, which means that a young person may not find out about issues with their credit reports until they first try to get credit – perhaps even years later. ![]() Hackers, thieves, and even people you know might steal your identity. Identity theft happens when someone misuses your personal information, such as a Social Security number, to open accounts, file taxes, or make purchases. Taking this step can help protect a young person from identity theft and fraud – and it’s free. The new law lets parents and child welfare representatives of people under 16, as well as legal guardians, request a security freeze, also called a credit freeze, on their behalf. Young people now have more protection from identity theft and fraud, thanks to a new federal law that went into effect September 21 st, 2018. Identity Theft and Online Security Show/hide Identity Theft and Online Security menu items.Unwanted Calls, Emails, and Texts Show/hide Unwanted Calls, Emails, and Texts menu items.Money-Making Opportunities and Investments.Jobs and Making Money Show/hide Jobs and Making Money menu items.Credit, Loans, and Debt Show/hide Credit, Loans, and Debt menu items.Shopping and Donating Show/hide Shopping and Donating menu items.
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