How to Talk to Your Kids About Identity Theft

Identity theft isn’t just an adult problem—children are increasingly targeted by cybercriminals because their identities are often unmonitored and valuable. Teaching your kids about identity theft is an essential step in safeguarding their future. Here’s how to start the conversation.

1. Explain What Identity Theft Is

Kids may not fully understand the concept of identity theft, so break it down in simple terms.

How to Explain:

• Identity theft happens when someone uses your personal information—like your name, Social Security number, or account details—without permission.
• Criminals can use this information to open credit accounts, steal money, or commit fraud.

Tip: Relate the concept to something familiar, like pretending to be someone else to get something they want, but on a much larger and harmful scale.

2. Teach Them to Guard Personal Information

Kids often share personal details without realizing the risks. Help them understand what information is sensitive and why it needs to be protected.

What to Teach:

• Never share personal details like full name, birthdate, address, or Social Security number online or with strangers.
• Avoid filling out online forms or signing up for apps without a parent’s approval.
• Be cautious about posting photos that reveal personal information, like school uniforms or landmarks near home.

Tip: Use examples to show how seemingly harmless information can be pieced together by cybercriminals.

3. Discuss Safe Online Behavior

Many identity theft cases begin with kids unknowingly sharing information online. Teach them how to use the internet responsibly.

What to Teach:

• Only use trusted websites and apps approved by a parent or guardian.
• Don’t click on links or download files from unknown sources.
• Be careful about friend requests on social media or gaming platforms from people they don’t know.

Tip: Encourage them to ask for help if they’re unsure about something online.

4. Set an Example

Kids often mimic their parents’ behavior. By practicing good security habits yourself, you can show them how to protect their identity.

What to Do:

• Use strong, unique passwords and explain why they matter.
• Avoid oversharing on social media and adjust your privacy settings.
• Shred documents with sensitive information instead of throwing them away.

Tip: Share age-appropriate examples of scams or phishing attempts you’ve encountered and how you handled them.

5. Monitor Their Personal Information

Since kids don’t have credit histories, their identities are prime targets for criminals who want to open fraudulent accounts.

What You Can Do:

• Regularly check their credit reports to ensure no accounts have been opened in their name.
• Use identity theft protection services to monitor their Social Security number and other details.
• Watch for warning signs like unexpected bills or collection notices in their name.

Tip: Explain to your kids why you’re monitoring their information and how it helps protect them.

6. Encourage Open Communication

Create an environment where your kids feel comfortable sharing concerns about potential scams or identity theft.

How to Foster Communication:

• Regularly ask them about their online activities and experiences.
• Assure them that it’s okay to make mistakes and that they won’t be punished for asking questions.
• Keep the conversation ongoing as they grow and begin using more online services.

Conclusion

Talking to your kids about identity theft helps them understand the importance of protecting their personal information and empowers them to navigate the digital world safely. By teaching them safe online behaviors, monitoring their information, and setting a good example, you can help safeguard their identity and prepare them for a secure future.