Child fraud happens when someone steals your child’s identity. It can happen with social security numbers or birth dates. It can happen by someone you don’t know. It can happen by a relative or family friend who has credit problems of their own. Once your child’s information is stolen, it could be used to open credit cards, take out loans, or even claimed by others on taxes. In essence, someone else could completely take over your child’s identity. Some warning signs exist. Watch for these possible indications of child fraud. * Is your child receiving pre-approved credit card offers in the mail? * Is your child receiving bank, credit card or other financial statements in the mail? These mailings do not include any accounts you hold jointly with your child. * Is your child receiving phone calls or letters from collection agencies? If one of these warning signs or others has you concerned, it is important to contact one of the three major credit bureaus to look into whether child fraud is occurring.

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