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Andy: This is The Secure Family Podcast.

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Welcome friend, I'm Andy Murphy, the
host and founder of The Secure Dad.

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This show is all about empowering parents
to protect themselves and their family.

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I believe that security is the
foundation of happiness, and I want

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your family to be safe and happy.

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The information I share on this podcast
is for general information purposes only.

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My goal is to empower you to make safer
decisions for yourself and your family.

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Because our safety is
our own responsibility.

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Today, I'm going to share with you a
story from my life and a lesson that

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I learned that I hope will help you
keep your children safe from fraud.

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All of that and more coming up
on The Secure Family Podcast.

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It's tax season!

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Aren't you excited?

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Okay, so you and I may not like
tax season, but scammers do.

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Did you know that scammers can
use your real data to file your

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taxes and steal your refund?

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People can use the data from breaches
and data broker sites to pretend to be

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you and actually file your taxes, and
the government won't know the difference.

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That's why I personally use DeleteMe.

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DeleteMe is a subscription service
that removes your personal data

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from hundreds of data broker sites.

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Don't let someone steal
your hard earned tax refund.

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One important step you can take is
to remove your data from these sites.

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Plus, you can file your return early
before a scammer can do anything.

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Today, get 20 percent off your DeleteMe
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The only way to get 20 percent off
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That's JoinDeleteMe.com/Dad, code DAD.

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Parents, it's time to level
up your online gaming safety.

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My new ebook, Level Up: The Parent 30
Minute Guide to Online Gaming Safety,

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is now available at TheSecureDad.com.

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In just 30 minutes, you'll learn how to
protect your kids from online dangers,

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set up smart guidelines, and give them the
freedom to play without all of the worry.

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In this new ebook, I'll give you a parent
friendly breakdown of the online gaming

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world, you'll get a clearer understanding
of why kids love gaming and how it

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fits into their social lives, You'll
learn about the biggest threats, like

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cyberbullying, inappropriate content,
and online grooming, and of course, I

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will show you how to deal with them.

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I'll provide you with proven methods
to build trust and have meaningful

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conversations with your child about gaming
safety, because I've done this all myself.

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Plus, I'll share the red flags of
grooming so that you can protect

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your kids online and in real life.

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And I will do all of this in
the time it takes you to watch

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one of your favorite TV shows.

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No fear mongering.

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Just real solutions from a dad, a gamer,
and of course, a family safety advocate.

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Don't wait.

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Grab your copy today at TheSecureDad.Com.

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There's a link for you in
today's podcast show notes.

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You know, as parents, we are
understandably concerned about the

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safety and wellbeing of our children.

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We make sure that when our kids
are young, there aren't any

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choking hazards in their way.

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Then when they're older, we teach them
how to drive safely and we want them

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to make good decisions while they're
gaming online, becoming digital citizens.

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Those are all safety concerns
that are in our daily lives.

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We can see those things and affect
them for our kids, an unseen

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danger that parents often overlook,
including me, is child identity theft.

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If you've never thought about this
before, I certainly don't blame you.

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So in 2023, I learned that it was a good
idea to think about my son's financial

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future, not just from the point of view of
having a good savings account or anything

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like that, but to protect his good name.

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So in 2023, I froze my son's credit
with the three major credit bureaus.

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I did what I thought at the time was
an extra step to further protect him.

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Like my goodness, after all I
founded The Secured Dad, you know,

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this should be something that I do.

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I had to gather, like, a whole bunch
of information and paperwork and mail

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it in to each of the credit bureau.

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And, by the way, they don't all
use the same forms, they don't

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want all the same identification.

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It's a process, but I did it.

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And it worked.

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What I didn't know was that I
would actually be very thankful for

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doing this less than a year later.

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In April of 2024, I got a letter from
our bank saying that my son's personal

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information had been compromised, in
what they called a small data breach.

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He has a youth savings account, and the
bank had his information, like his name

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and address and social security number.

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And those things were
exposed in this breach.

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At the time, he was 11.

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At 11, my son was involved in what I
believe to be his first data breach.

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And that's the world
that we live in today.

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This is something that we
have to take seriously.

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I consider child identity theft to
be an unseen danger, and I say this

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because mostly the attack comes from
somebody online who takes that data,

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who isn't anywhere near your child
and most likely never knows you.

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They don't know what you look like.

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They don't really know where you live.

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You're just a bunch of
ones and zeros in a file.

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So as a parent, how are we supposed
to know that this is a thing?

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So let me make this clear.

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If your child has a social
security number, they are

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at risk of identity theft.

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That means this potential threat starts
with all of the paperwork that you fill

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out at the hospital that's associated
with your child's birth certificate.

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Most parents don't ever think about
this and it could ruin your child's

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financial future and you may not even
know about it for 17 or 18 years.

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I don't want you to find out that there's
a problem with your child's credit score

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when they go to apply for a car loan
or apply for financial aid at college.

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But that's when a lot of people
get hit with some really bad news.

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You see, our children are a
blank slate in a number of ways.

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Because there isn't a lot of legal
information about a young child

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in any record, that means that the
bad guys have a lot of leeway in

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creating their own fake identity
with your child's real information.

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With your child's ID, a thief can open
new lines of credit in your child's

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name, they could buy things with a
credit card, collect unemployment,

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and even open fake bank accounts.

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In some cases, thieves have been
able to get medical procedures.

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I don't know how that
works, but it happens.

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Also, personally identifiable
information can be sold on the dark web.

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So if the thief takes it,
that thief may never use it.

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It may take a few months
or a year to sell that off.

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Then it could be sold more than
once and cause trouble at different

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times in your child's life.

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Once that information is compromised,
It's out there and that's, that's hard.

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That's tough.

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Now at this point you might
wonder if the credit reporting

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companies catch this type of fraud.

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Unfortunately, that is not
as cut and dry as you think.

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And that is an ongoing
theme in all of this.

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The way it works is that the
social security number is validated

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separately from the other personally
identifiable information in the process.

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I'm sure there's a good reason for it,
but looking at it through this lens,

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I don't feel that that's a good thing.

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I'm just a dad.

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A scammer could use the identity of
a 40 year old man with the social

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security number of a 12 year old girl.

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This may seem counterintuitive to
you and me, but it is the current

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process that we all have to live with.

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And I don't think it's going to
change anytime soon, even after the

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big National Public Data Breach.

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I don't think we're
going to see any changes.

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So let's switch gears now and
talk about what we can do to

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protect our children's identities.

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If any of these things that I'm about to
tell you sound intimidating, don't worry.

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I have created a free guide
that will go over all of this.

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I will share each step that I
took in freezing my son's credit

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so that you can do the same.

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And there's a link for you in the
show notes to download this guide.

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One of the biggest leaks of a
child's personal information.

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Is us.

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It's the parents.

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Yeah, we're supposed to be the protectors,
but sometimes we make mistakes.

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We may inadvertently give away
very valuable information about our

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children in person or even online.

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Have you ever seen those cute birth
announcement pictures on social media?

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There's gonna be like a small child
that looks like a squishy potato

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next to a letter board that says
Ava Charlotte Riddle, born August

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1st, 2023, Sugar Land, Texas.

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In that one picture an
unsuspecting proud parent has

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given away a lot of personal data.

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Their child's legal name, gender, date
of birth, and place of birth have been

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shown to everybody on the internet.

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That's a lot of information
for a seasoned scammer to use.

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That's really a goldmine.

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And to make it worse, thieves can search
for the parents names and addresses and

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phone numbers, and even their relatives.

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This gives them a robust amount
of legitimate information.

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And what is so bad is that at this point,
nothing illegal has taken place yet.

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An identity thief can simply
see a social media post.

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Then they can do a legal search
on a site like whitepages.

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com to find out the
rest of the information.

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It's only when they commit
fraud that a crime has occurred.

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As parents, we must consider
what we post online and how it

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may affect our child's future.

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And yes, joining DeleteMe is a
great way to protect your family's

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data from searches like this.

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Another way your child's identity
can be stolen, is in a data breach.

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Some breaches only divulge email
addresses or passwords or things

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like that, but there was an epic
data breach in South Carolina that

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compromised 6.4 million residents.

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Including children.

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Back in 2012, 3.

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6 million social security numbers were
exposed along with other information in

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a breach that originated from a phishing
attack at a state government office.

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At the time, and I say this, at the
time, it was the largest cyber attack

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against a state agency in the nation.

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In response, the state offered residents
credit monitoring for two years.

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Kind of as damage control.

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The issue is that Social
Security numbers don't change.

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If criminals are patient enough to have
waited until 2015, they could have had

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a ton of information ready to go past
that free credit monitoring period.

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You might be thinking that this all
seems impossible to protect your

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child's valuable data, but there
are steps that parents can take to

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shield their children's information.

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The first thing that we have to do
is protect our children's personal

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information and take that very seriously.

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You've listened to this
show, you are now on notice.

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This is very important.

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Don't share detailed birth
announcements with valuable information.

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Also, keeping your child's social
security number secret is vital, while

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government forms may require it, if
you don't have to share it, then don't.

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It's okay for you to ask a daycare, an
online service, or whatever, why the

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social security number is necessary.

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Then ask if it's okay that
you don't provide it on the

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basis of protecting your child.

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Just see what happens.

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There's probably a lot of times
they'll just waive that for you.

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One of the best ways to protect
your child from identity theft

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is to freeze their credit.

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You may think that since they're
young that your child does not

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have a credit score, so you don't
really need to worry about it.

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Freezing your child's credit
essentially locks it until

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your child is ready to use it.

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This will keep identity thieves from
hurting your child's credit history.

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So, going back to 2023, my wife and
I chose to freeze our son's credit.

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And the process was complicated.

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I had to pull together a lot of documents.

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I had to physically mail it in to
the three big credit companies,

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which, by the way, uh, are
Experian, Equifax, and TransUnion.

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Unfortunately, freezing a minor's credit
is not as easy as it is for an adult.

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Think back to the National Public
Data breach not that long ago.

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I was encouraging adults to call
numbers and freeze their credit,

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which could be done over the phone.

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That is just not the case with children.

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You have to prove that you are the
guardian to each of the bureaus,

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and that will take some legwork
on your part to prove that.

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Generally, you'll have to
identify who you are, that you

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are the guardian of the child.

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You'll have to provide your government
ID, their birth certificate,

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and a few other documents.

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Then there are a few forms that have to be
filled out and then physically mailed in.

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And of course, the processes are
similar, but they are not the

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same for all three companies.

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Plus you'll have to do this process
for each one of your children.

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It can get overwhelming,
but it is worth it.

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I'm not going to go into all the
details right now because it is an

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exhaustive process, but I've created
for you a free step by step guide on

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how to freeze your child's credit.

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This is based on what I did to
successfully freeze my son's credit.

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There are links to the information
that you'll need and some tips that I

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learned along the way, and I'm happy
to share those with you for free.

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And there's a link in
the show notes for you.

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When your child is ready for their
credit to be unfrozen, you'll need

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to contact all three companies
again to initiate the process.

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So when you complete the freeze,
the company will mail you a

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packet of information on how
to open the account again.

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Keep this information in a safe
place, like a safe deposit box or

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a fireproof safe, because you are
going to need it in the future.

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It does seem like a lot of
work, but consider this.

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Would you rather do some work now?

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Or do a ton of work later when
your child's credit is ruined.

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It may take years to clear up the
residual effects of identity thieves.

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If you discover that your child's
information has already been stolen,

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you can report it, and then have those
fraudulent accounts closed, and then

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you can freeze your child's credit.

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The FTC has a process
that they use to help you.

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But as you can see, one way or another,
freezing your child's credit is going

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to be a solution, either for prevention
or as an emergency measure when

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things have gone really, really wrong.

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Parents need to do their part in keeping
their child's social security number and

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their personal data safe and private.

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Be proactive and consider freezing
your child's credit now so that they

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can have a strong financial future.

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Well, this concludes this episode
of The Secure Family Podcast.

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Thank you so much, friend,
for being a part of the show.

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00:15:57,949 --> 00:16:01,169
Take back your privacy and personal
data with help from DeleteMe.

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00:16:01,686 --> 00:16:05,646
Get 20 percent off a privacy plan
when using the code DAD at checkout.

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00:16:06,086 --> 00:16:09,791
DeleteMe is the official data
removal service of The Secure Dad.

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00:16:10,841 --> 00:16:14,671
Keep your kids safe while gaming
online with my new ebook, Level Up.

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00:16:14,921 --> 00:16:17,991
It's available to you right now
at the link in the show notes.

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00:16:18,861 --> 00:16:23,191
If you'd like to know more about The
Secure Dad, visit thesecuredad.com.

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00:16:23,641 --> 00:16:26,631
There you'll find free
downloads, books to buy, podcast

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00:16:26,631 --> 00:16:28,451
episodes, and a whole lot more.

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00:16:29,021 --> 00:16:32,971
I'm Andy Murphy, and I want you to
consider freezing your child's credit.

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Yes, it is tedious, but
it is worth the effort.

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Trust me.