Could Child Identity Theft Impact Your Family?

(3 Minute Read) — Child identity theft is a growing problem in the United States, with an estimated 1 in 50 children affected each year.¹

Why Are Children Targeted?

A child’s personal information can be especially appealing to scammers because it may go unnoticed for years. Since kids don’t apply for credit cards or loans, fraud often isn’t discovered until they’re older and trying to rent an apartment, apply for student loans, or open their first credit card.

Because most children don’t yet have a credit history, scammers may see their identities as easy targets.

How Does Child Identity Theft Happen?

Unfortunately, there are many ways a child’s personal information can end up in the wrong hands. A data breach at a school, doctor’s office, or online company could expose records. Important papers might also be lost or stolen.

Scammers may use fake emails, texts, or websites to gather information. In some cases, the person misusing that information is someone the family knows.

What Warning Signs Should Parents Watch For?

Watch for red flags—anything unusual involving your child’s name, such as:

• Credit card offers or loan mailers
• Bills or collection notices
• Tax or IRS correspondence
• Problems with government benefits
• Trouble opening an account later in life

If anything looks suspicious, look into it right away because early action can limit the damage.

What Should You Do if You Suspect Fraud?

Begin by contacting the three major credit bureaus—Equifax, Experian, and TransUnion—to see whether a credit file exists for your child. If it does, visit IdentityTheft.gov to report the fraud and get a personalized recovery plan.

You’ll also want to contact any lenders or companies connected to fraudulent accounts and request that those accounts be closed. Be sure to save notes, emails, and case numbers along the way.

How Can You Help Prevent It?

One of the best tools available is a credit freeze. A freeze can help stop new accounts from being opened in your child’s name. It stays in place until you remove it, or your child does so after turning 18. Because each bureau handles freezes separately, you’ll need to place one with each credit bureau.

You can also lower the risk by storing sensitive documents securely, shredding old paperwork, and teaching children safe online habits.

Protect Your Family’s Future

At Unitus, we’re committed to helping you protect what matters most. Explore our Fraud Prevention Tips for more ways to stay safe. If you have questions about fraud prevention or account security, we’re here to help.

¹ London Stock Exchange Group, Child Identity Theft White Paper, 2025, citing earlier U.S. estimates.