Protect Your Child From Identity Theft

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Have you ever received a piece of seemingly junk mail addressed to your underage child that you simply discarded? Next time, dig a little deeper into the content. Why? Because a credit card or loan offer can be a warning sign that your child may be a victim of identity theft. Left undetected, your child could be connected to massive fraudulent debt and bad credit before they can even vote.

One in 40 families with children under 18 had at least one child whose personal information was compromised, according to a recent survey by the Identity Theft Assistance Center and the Javelin Strategy & Research group.

All it takes is a Social Security number – often applied for at birth – which can be paired with a different name, birth date and address to apply for credit. This is called a synthetic identity. And, for nearly 18 years, there is typically little risk of detection.

“The primary use of stolen personally identifiable information is for financial purposes,” said Trevor Buxton, fraud awareness and communications manager at PNC Bank. “Using the stolen Social Security number, identity thieves can open credit cards, rent apartments, buy cars, secure jobs, and apply for welfare or other government programs.”

 

Other warning signs your child may be a victim include:

  • Notification by the IRS of unpaid taxes in your child’s name.
  • Notification that a child’s Social Security number was used on another tax return.
  • Receiving collection calls for a minor child
  • Receiving bills in a child’s name for products or services not ordered or delivered.
  • Declined for government benefits because benefits already are being paid to another account using the child’s Social Security number.

Parents can be proactive in protecting their child from identity theft:

  • Never carry your child’s (or your) Social Security card in your wallet or purse. Keep it in a safe place, where it is not at risk of being stolen.
  • Pay attention to forms from schools, doctor offices and others asking for personally identifiable information about your child. Opt out if you can or use the last four digits only.
  • Shred all documents that show your child’s personally identifiable information before throwing them away, just as you do for your own documents.
  • Most importantly: Request a credit report for your child annually, using the child’s Social Security number for reference. Every individual is entitled to one free copy of their credit report once every 12 months at www.annualcreditreport.com. If there is no credit history on record, then typically the child has not fallen prey to identity thieves.  If there is a credit history for a minor child, he/she has mostly likely become a victim.

If you suspect your child may be a victim:

  • Place a 90-day credit alert on your child’s file. There is no charge, but it must be renewed every 90 days. Contact one of the three credit reporting agencies who will then contact the other two:
  • Place a security freeze on the child’s credit to block all unauthorized credit inquiries. There is a cost involved, typically a one-time cost ranging from $2-$15 depending on the state. You also may be charged a similar fee to temporarily or permanently lift the freeze.
  • File a police report.
  • Contact businesses identified in your child’s credit report. Request that any account associated with your child’s Social Security number be closed as a fraudulent account.
  • Contact all three credit reporting companies. Request the removal of all accounts, inquiries and collection notices associated with your child’s name and Social Security number.

Provided by PNC Bank • www.pnc.com

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  1. Family Storytime: Spanish Read Aloud – Cuentos y Cantos

    April 25 @ 10:30 am - 10:30 pm
    April 25, 2018  |  10:30 am - 10:30 pm
    South Beach Library
    Children and their parents/caregivers can enjoy stories, and songs in Spanish. Acompáñenos a compartir y cultivar nuestras raíces con otros padres y niños de la comunidad para fortalecer el aprendizaje de los niños a través de canciones y lectura en
  2. Story Time For All

    April 25 @ 11:00 am
    April 25, 2018  |  11:00 am - 11:00 am
    Richmondtown Library
    Join us for interactive stories, songs, and coloring followed by play time for children to socialize. For Ages 18 months to 5 years.
  3. Clay Day

    April 25 @ 1:30 pm - 4:30 pm
    April 25, 2018  |  1:30 pm - 4:30 pm
    SI Children's Museum
  4. Mechanical Wave Machine

    April 25 @ 4:00 pm
    April 25, 2018  |  4:00 pm - 4:00 pm
    South Beach Library
    Participants make a large-scale machine that demonstrates how waves work using wooden dowels, duct tape, and gummy candy. We will also demonstrate a simple oscilloscope that uses a laser beam to show how sound waves look. For ages 13 -18
  5. Lego Club

    April 25 @ 4:00 pm
    April 25, 2018  |  4:00 pm - 4:00 pm
    Todt Hill-Westerleigh Library
    LEGO CLUB GET CREATIVE AND BUILD!!!! The library will supply legos, while you provide the imagination All materials must stay at the libray —- so bring a camera to document your creations!! first come— first served recommended for age 8-14
  6. Family Storytime: Stay & Play Storytime

    April 25 @ 4:00 pm
    April 25, 2018  |  4:00 pm - 4:00 pm
    Tottenville Library
    First, we’ll share some fun, interactive stories together. Then we invite you to stay, play and enjoy the library’s toys & exploration stations. Meet other families in the neighborhood! Recommended for ages 3 and up. No pre-registration required.
  7. Bookcraft

    April 25 @ 4:00 pm
    April 25, 2018  |  4:00 pm - 4:00 pm
    Stapleton Library
    Have a blast listening to stories and making a fun craft!
  8. Family Storytime: Picture Book Time

    April 25 @ 4:00 pm
    April 25, 2018  |  4:00 pm - 4:00 pm
    New Dorp Library
    Enjoy hearing books read aloud, fingerplays action rhymes and coloring. For ages 3 years and up with caregiver.
  9. Evening Group Hike

    April 25 @ 6:00 pm - 8:00 pm
    April 25, 2018  |  6:00 pm - 8:00 pm
    Greenbelt Nature Center
    Every Wednesday: Join us for our weekly evening, guided hike where we will cover 4/5 miles. There are some small climbs but it’s fairly easy. You will probably see parts of the Greenbelt and the trail system that you haven’t
  10. Peepers: Learning about Nature

    April 26 @ 9:45 am - 10:15 am
    April 26, 2018  |  9:45 am - 10:15 am
    Greenbelt Nature Center
    Thursdays through May 31: Through hands-on activities, crafts, and stories, 2 year-olds and their caregivers will become familiar with the sights and sounds of the forest. Space is limited. Registration required. Fee: $3 non-members/Free for Greenbelt Conservancy members