Police suggest parents freeze their kids credit - WSMV News 4

Police suggest parents freeze their kids credit

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Experts suggest freezing your child's credit until they turn 18 to prevent identity theft. Experts suggest freezing your child's credit until they turn 18 to prevent identity theft.
NASHVILLE, TN (WSMV) -

Perhaps you've heard of freezing your own credit, but what about your kids?

"I never thought about it, but I would consider it," said Nashville parent Carolyn Jones.   

Metro Police fraud Sgt. Michael Warren said you should because stealing a child's identity is actually more popular than stealing an adult's.

Police said 1.3 million kids have their identities compromised every year and more than 50 percent of them are younger than six years old.

"The bad guy gets a hold of your kid's identity and they set up accounts, whether it be cable accounts, phone accounts, credit card accounts and they can run these for years going unnoticed," said Warren. 

However, if you freeze their credit, any time someone else tries to open an account using your child's identity, "They're going to get declined. Boom. Done. Shut down. It's not available. They've got to move on to the next victim," said Warren.

You can do it by calling one of the three credit unions. It costs $7.

"It's the smartest $7 you'll ever spend on your kid as far as I'm concerned," said Warren.

Warren suggested freezing your child's credit the minute they're born and keeping it frozen until they turn 18 because the last thing you want is for your kid to start adulthood with a bunch of bad credit they didn't cause.

"And so now, they're having to do a bunch of back-tracking on stuff that could be years old, and good luck investigating who opened this when you were four and now it's 14 years old."

Police also suggested checking your child's credit at age 16. That way if they have been compromised you have two years to clean it up before they officially become an adult.

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