8 Steps to Protect Your Child’s Data, Credit and Identity

A mother works with her young son on a laptop at a table outside.

(Image credit: Getty Images)

published 25 May 2024

In today's digitally connected world, ensuring the security of students' personal data is of utmost importance, particularly as public schools increasingly integrate technology into education. However, these institutions have increasingly become targets for cyberattacks, putting the sensitive information of children at significant risk. As responsible parents and guardians, it is imperative to comprehend the various threats facing our educational systems and take proactive measures to safeguard our children's data.

Cyberattacks targeting public schools manifest in diverse forms, ranging from ransomware attacks and phishing scams to sophisticated data breaches. These malicious activities can result in unauthorized access to, theft of or tampering with students' personal information, including their names, addresses, Social Security numbers and academic records.

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Adults aren’t the only ones who need to protect themselves against identity theft, children can be victims, too. Scammers can use their identity to open new lines of credit. This could be detrimental to your child for a number of reasons, but tanking their credit score before they’re even old enough to build credit themselves is a real concern. For extra protection, parents can sign their children up for identity theft protection with their Social Security number.

It may seem unusual, but consider checking your child’s credit report to make sure there’s no suspicious or unauthorized activity going on. Children cannot apply for credit before the age of 18, so anything before that age should be considered suspicious unless you know exactly what it was for. Parents can also place a credit freeze on their child’s credit files. This will make it more challenging for thieves to open accounts in your child’s name.

Protecting our children's data in public schools requires a concerted effort from parents, educators and policymakers. By advocating for stronger security measures, educating students about cybersecurity and fostering a culture of vigilance both at school and at home, we can effectively mitigate the risks posed by cyberattacks. Together, let us empower the next generation to navigate the digital landscape securely and responsibly, ensuring the safety and privacy of our children's digital identities.

Disclaimer

This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

Justin B. Stivers was born in Florida but raised in Knoxville, Tenn. He pursued his undergraduate education at Appalachian State University in Boone, N.C. After graduating, Justin served three years in the United States Peace Corps, living in a rural coffee farming community in Honduras. This experience not only enriched his life but also helped him become fluent in Spanish. Upon completing his service in Honduras, Justin attended law school at the University of Miami in Miami, Fla. He lived in Miami for the next 15 years, during which he built a successful estate planning law firm. In this role, Justin helped families plan for their futures, feeling a sense of accomplishment and service.