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Most parents know the internet comes with dangers, but few realize how early a child can become a victim of identity theft. Kids are easy targets because their personal information is rarely monitored, yet it’s just as valuable to scammers as an adult’s. From apps to gaming platforms to social media, there are more digital doors open than ever before. And when a child’s identity is stolen, it often goes unnoticed for years—until it’s too late. Understanding where the identity risk lies is the first step in protecting your family’s future.
1. Oversharing on Social Media
Even if your child doesn’t have their own social media account, their information can still be at risk from your posts. Names, birthdates, school names, and even nicknames can be pieced together by cybercriminals. A harmless birthday shout-out or first-day-of-school photo might contain enough clues to guess security questions or create fake identities. Tighten your privacy settings and avoid posting personal details that could be linked to your child. The less digital footprint your child has, the lower the identity risk.
2. Gaming Accounts and In-App Purchases
Many online games require players to create user profiles with email addresses, usernames, and sometimes even credit card information. Children may unknowingly share sensitive details or fall for phishing attempts disguised as “free coins” or “bonus levels.” If a parent’s card is linked to the account, hackers can gain access to both identities. Teach your child to avoid clicking unknown links or downloading unofficial game mods. And always monitor the permissions and privacy settings in gaming apps.
3. Educational Apps and School Portals
Today’s classrooms are full of tech tools, but not all of them take data protection seriously. Some educational apps collect more data than necessary, such as full names, birthdays, and even parent contact info. If these platforms suffer data breaches, a child’s personal information can be exposed without the parents even knowing. Before using any app or portal, review their privacy policy and check how student data is stored and used. Even trusted school tools can carry hidden identity risk.
4. Public Wi-Fi and Shared Devices
Using public Wi-Fi without a secure connection is dangerous for anyone—but it’s especially risky when children are on shared tablets or laptops. Hackers can intercept login credentials or access browsing activity if the network isn’t secure. Kids may not recognize phishing attempts or fake login screens, making them easy targets. At home, ensure your network is password-protected and your devices have updated security software. When out, avoid letting your child access personal accounts on open networks.
5. Online Contests and Surveys
Free prizes and fun quizzes are everywhere online, and many are designed to lure children into giving away personal info. These seemingly innocent sites may ask for a name, birthday, or email address to enter or “unlock” results. Behind the scenes, the collected data can be used for targeted scams or sold to third parties. Talk to your child about avoiding any website that asks for personal details in exchange for a reward. If something seems too good to be true, it usually is.
6. Breached Parent Accounts
Even if you protect your child’s data, a breach on your own accounts can expose their information. Medical records, tax filings, or school forms stored digitally often include your child’s full legal details. If your email or cloud storage is compromised, so is anything saved within it. Use strong, unique passwords and enable two-factor authentication wherever possible. Keeping your accounts secure is a critical part of reducing your child’s identity risk.
7. Fake Child Identity Creation
Because kids usually don’t check their credit reports, identity thieves sometimes create entirely fake profiles using a child’s Social Security number. These fake identities can be used to open credit cards, apply for loans, or commit fraud—all in your child’s name. Most victims don’t discover the damage until years later when they apply for a job or college loan. Consider checking your child’s credit report annually with the major bureaus and freezing their credit if it’s not in use. Prevention is far easier than repair.
Digital Awareness Is the New Childproofing
Keeping kids safe online requires more than limiting screen time—it demands active involvement and regular digital check-ins. Identity theft is no longer just an adult problem. Children face identity risk from multiple angles, often without their knowledge or consent. As parents, staying informed and teaching our kids safe online habits can go a long way toward prevention. Think of it as the digital version of locking the front door. Small steps now can prevent big problems later.
Have you taken steps to reduce your child’s identity risk online? What surprised you most about where their info might be exposed? Share below!
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Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.