As I was getting ready for work this morning an interesting news clip on the television caught my attention. The news report spoke about the increased number of reports coming in from the IRS about children’s identity theft (especially in babies). The report also shared that parents usually don’t know of any problems until tax season…when the IRS return is rejected!
Whether its tax season or not it’s our job as parent to KNOW what is the best ways to protect our child’s identity.
How to prevent identify theft of your child?
- Do not share your child’s social security number with anyone! I know many times family members want to contribute to college savings plans like 529’s or pre-paid state college plans. If you’re going to release this information to family members, make sure it’s kept very safe.
- When you get your child’s social security card in the mail, keep it somewhere safe
- Watch your back…if you’re on your cell phone with a financial institution be very careful who is around
- Read every piece of your mail. If you start to receive mail with your child’s name on it from collection agencies or for bills or phone calls for your child. These are a few red flags.
To prevent identity theft; it’s recommended to check your child’s credit every few years. Unfortunately, if your child is under the age of 13 you CAN NOT get this information online. You have to request this information in writing via certified mail with a return request receipt. Your letter needs to include identification of yourself to prove you are the parent/legal guardian of the child you’re requesting the information. A copy of driver’s license is sufficient. For your own person records keep track of the date you requested and sent the certified letter. You have to contact each credit bureau-Experian, Equifax and TransUnion individually.
What to expect in return? Hopefully…NOTHING!!! The credit bureaus usually do not have information on children less than 13 years of age. This is exactly what you want to hear; that they don’t have record of your child on file.
Requesting Information from Credit Bureau:
Experian, visit their website and fill out form to request documentation.
Send request to:
Experian
PO Box 9554
Allen, TX 75013
TransUnion has a form online to fill out for request
Equifax no form necessary.
Equifax Minor Child Department
P.O. Box 105139
Atlanta, Georgia 30348
As parents we have the power to steer our children’s minds in the direction of being closed or open minded to new things. We are their first foundation to view the world. They pick up our expressions and feeling s of excitement from us. They can also feel and read our negative energy levels. What can be more rewarding than watching your child’s face light up when you do a really cool science experiment?
Need Some Sleep? Let’s just say…I don’t know since about the beginning of the last trimester of pregnancy, you haven’t slept well. Don’t you love it when people walk up to you at 35 weeks pregnant and they ask “How are you feeling?” The first thing that runs through your head is “Like crap thanks!” My best friend told me “once you get pregnant you’ll never sleep well again, oh for about the next 18 years.” Now that I’m a mother, I believe every word of her statement. Ok, so we had the huge Prego- body pillow that made sleeping somewhat enjoyable, but that was not enough.
One of the most important parts of your baby’s development is their interest in Reading. It’s a skill that connects us with the world on so many levels. Think about….if you didn’t know how to read, you couldn’t write thank you notes, text message or send emails. Ah, now I got your attention.
Picky eaters, stubborn kids….you name it parents truly have the stories to share about their little ones. As we all venture down this parental journey, it’s important that we don’t loose sight on the “big picture.” It does not matter if you’re married, divorced, single parent or just the baby sitter sometimes we find ourselves in a pickle. The pickle I’m referring to is not the one we eat, it’s the situation between BARGAIN or BRIBE!
Well, much to my surprise the holiday season is already in full swing…. Ah what? Yes, this afternoon I walked into a girls’ clothing store shopping for my niece’s birthday present and heard Christmas music. Ah!!!! It’s only November 12th and I still have bags of Halloween trick-or-treat candy around the house. The only thought that keeps running through my mind is “Wow-za I can’t believe we collected this much candy.”
As your child’s first birthday rapidly approaches you tend to notice not only physical changes, but more importantly his/her personality. The things you used to do in the past like (use the restroom while in their swing, or change the load of laundry while they sit in the play saucer) becomes quite trouble-some. Your child’s new reaction to such events is now crying out or screaming. These are the beginning signs of separation anxiety. Please DO NOT become alarmed! This is all a part of your child’s emotional development.
The time has come when it’s time for me to start thinking about BABY-PROOFING my house with safety latches and locks. My little one is getting the point were moving and grooving is a part of everyday life. We’re not crawling just yet, but as each day passes the rolling and knee scooting is getting more defined.
Ah, fall is in the air. What better way to welcome the arrival of the cooler weather than enjoying one of fall’s fun filled family festivities – going to the pumpkin patch!



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