Protecting Kids from Identity Theft - What Every Parent Needs to Know

Identity theft isn’t just an adult problem—it’s one of the fastest-growing crimes against children. A clean credit history makes kids attractive targets for criminals who can open credit cards, take out loans, or even rent apartments in a child’s name. Because most children won’t check their credit until they’re older, the fraud can go unnoticed for years.

Signs Your Child May Be a Victim

Stay alert for red flags like:

• Credit card offers addressed to your child

• Bills or collection calls in your child’s name

• Denial of benefits due to “existing accounts”

• Trouble when your child applies for a driver’s license or financial aid

  
  

If you notice any of these, it’s critical to act quickly. We invite you to contact us if you'd like a Free Case Review to explore your legal options.

How the FCRA Protects Children

The Fair Credit Reporting Act (FCRA) gives parents and guardians powerful tools to safeguard their child’s future. You have the right to:

• Request your child’s credit report from Experian, Equifax, and TransUnion

• Dispute and remove fraudulent accounts

• Place fraud alerts or freezes on your child’s credit file

• Pursue legal remedies if credit bureaus or collectors fail to follow the law

Why Legal Help Matters

Unfortunately, credit bureaus and debt collectors often resist fixing errors—even when the victim is a child. At Wells Law – Chicago, we hold them accountable under the FCRA and other consumer protection laws. Our team has recovered millions for consumers nationwide, and we bring that same tenacity to protecting children.

👉 Free Case Review: If you suspect your child’s identity has been stolen, or if a bureau refuses to help, don’t wait. Contact Wells Law – Chicago today. We’ll explain your options and fight to protect your child’s future.