Your Child is Covered

Your Child is Covered

Child identity theft occurs when a child’s identity is used by another person for their personal gain. Parents or relatives are usually the first to notice something is not right. Did you know your minor children are automatically enrolled within your activated Restoration Rescue® coverage at no additional expense?*

  1. Get Your Certificate of Coverage

Identity Theft - Certificate of Coverage
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  1. Notify Us if you have an Identity Theft Issue 
Identity Theft - Report Issue
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Discovery often comes:

  • When attempting to open a savings account or college fund for the child.
  • When numerous pre-approved credit card offers come in the name of the child.
  • When credit cards, checks, bills or bank statements are sent in the name of the child.
  • When collection agencies call or send letters about accounts not opened by the child.
  • When a teen is denied a driver’s license because another person has their Social Security Number as their ID.

If you suspect and have some reason to believe your child’s identity has been used and you are the child’s parent or court-appointed guardian, you may write the three Credit Reporting Agencies to see if there are credit reports in that child’s Social Security Number. The best news would be ‘there is no report’.

Parents can set a fraud alert for children under the age of 18 by mailing a letter of explanation. Parents will need to submit their request in writing, as federal law prohibits the credit agencies from collecting a minor’s personal information via the Web. This information should be provided to each credit bureau. If a minor child already has a credit file with that agency, the organization will then set an alert and forward a copy of their credit report to the parents.

TransUnion
PO Box 6790
Fullerton, CA 92834

Equifax Information Services LLC
Office of Consumer Affairs
PO Box 105139
Atlanta, GA 30348

Experian
PO Box 9532
Allen, TX 75013

Send certified, return receipt mail and include the following items in your letter:

  • A copy of the child’s birth certificate
  • A copy of the child’s Social Security card
  • Child’s full name, date of birth and previous addresses for the last five years, if appropriate
  • A copy of the parent’s ID, Driver’s License and proof of address (ie utility bill, credit card statement, etc.)
  • If the requestor is a guardian, state that and include any documentation that would legally appoint you as the guardian

If you do not hear from any of the reporting companies 30 days after getting your return receipt postcard, please file a complaint with the Federal Trade Commission (877.382.4357).

 

*Your Identity Theft Restoration Rescue® Coverage is automatic 10 business days from the date of enrollment for all eligible account owners; your minor children residing in your household are automatically enrolled within your activation and your coverage begins 10 business days from the date of your enrollment. Minor children are covered up to the day before their eighteenth (18th) birthday, providing you are his or her parent or legal guardian and have previously activated your Restoration Rescue® coverage within the guidelines of the Terms & Conditions of this program. This information should not be used in lieu of legal advice.