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Md. passes measure to address child identity theft

ANNAPOLIS — As more and more children are having their credit ratings damaged by identity theft before they think of borrowing a dime, Maryland lawmakers have approved a first-of-its-kind measure to enable parents to take steps to protect their kids.

The Maryland Child Identity Lock bill, which a spokeswoman for Gov. Martin O’Malley says he is likely to sign, will allow parents to take the step of freezing their child’s credit at any time. Supporters hope it will be a model for other states to protect not only children, but also disabled and elderly people who can be particularly vulnerable to identity theft as well.

“This just freezes the information to ensure that it’s not used for ill purposes,” said Del. Craig J. Zucker, a Montgomery County Democrat who sponsored the bill in the House of Delegates.

Credit agencies do not knowingly create credit reports for minors under the age of 18. When credit bureaus collect data for people applying for credit from lending partners, they get a name and Social Security number, but they don’t have data to double-check someone’s actual age, due to a lack of information sharing between credit reporting agencies and the Social Security Administration.

Under Maryland law, credit agencies must place a security freeze on the credit of anyone who requests it. However, they can refuse to lock the credit of those who do not have a pre-existing credit report. That’s a problem for children. If they have a credit report, it likely means they’re already a victim of fraud.

The problem of identity theft is compounded for children, because they usually don’t become aware they are victims until they are older, when they apply for a credit card or a loan to buy a car.

The measure would apply to a person younger than 16 at the time of a request or an incapacitated person who has a legal guardian. A consumer reporting agency would be required to place a security freeze after receiving the request. Parents or guardians would have to contact a credit agency and provide proof of identification for the person they are seeking to protect, such as a Social Security number or birth certificate.

While some states have created laws in recent years to address identity theft of foster children, who can be especially susceptible as they are shuffled from home to home, the Maryland measure is the first aimed at protecting all children. States including California, Colorado and Connecticut have passed laws mandating credit checks for foster children before they leave state custody.

Maryland lawmakers worked with advocates and a representative from credit rating agencies to create the legislation, which passed this legislative session with bipartisan support.

“It took a couple of months and a lot of back-and-forth, but we really worked as a team to come up with something that works for everyone,” said Robin McKinney, director of the Maryland CASH (Creating Assets, Savings, and Hope) Campaign.

McKinney said she was confident the measure will create an effective deterrent, although parents will have to opt-in to take the preventive step.

“I think it’s definitely going to be effective because, if nothing else, you can prevent something from happening,” McKinney said.

2 comments

  1. This is the type of thing that the state legislature should be doing with their time– rather than raising taxes and increasing spending.

  2. If we want “THE PEOPLE’S” America back, Voters must punish the Politicians, Governors, Mayors, special interest groups and the whole blend of elected officials that are harboring foreign nationals, who have implemented Sanctuary cities ordinances, who have driven policies of the Dream Acts, Chain migration ID Theft, Voter Fraud and other catastrophic Comprehensive Reform packages. But more important than anything else is to remove this President before drives us into further debt, which we cannot possibly survive. Even citizen voting privileges are not safe anymore, from groups like ACORN involved with voter fraud. Every voting precinct in America need to check their election rolls, as Non-citizen voting is a Federal felony and should be prosecuted as such. Investigative reporter James O’Keefe rendered proof positive that organized hordes of illegal “voters” can extensively warp the results of elections throughout the nation, just by claiming the identities of registered voters in those particular districts.

    The stunning investigative report by Andy Pierroti of NBC-2 in Fort Myers included interviews and voting documents illuminating nearly 100 non-citizens who are illegally registered and in some cases have voted in elections as far back as 2001. One Naples, Florida voter admitted she was not a U.S. Citizen, nor a legal immigrant – but election records show she voted six times in the past eleven years. The U.S. citizenry must step forward and adjoin with the TEA PARTY “THE PEOPLE’S PARTY” to stop the erosion of legal rights, which are being reduced by this administration. Remember the TEA PARTY is millions of like minded members in chapters across our nation, who does not discriminate against any race, color, religion as long as you entered the United States legally. Both parties have abused immigration enforcement, by neglecting the fence and the incompetence of acknowledging that ID theft is out of control, that every foreign worker is committing a felony by using U.S. victim’s Social security number and identity in the majority of cases, but nothing has been accomplished to halt these issues.

    Americans have become the victim of stolen ID, and spend months in anxiety because they must explain to the banks, their personal ID was stolen. A national ID card could turn the tables on welfare, tax fraud, which has become an astronomical cost for taxpayers. The thief’s are not just illegal migrants and immigrants, but the criminal enterprise of coach potatoes and people who have no desire to work for a living. They are parasites and leaches that thrives on the rest of us citizens? These are not just babies SS number stolen at birth, but troops who are fighting in other lands and the deceased. This is not just a massive malignancy in Maryland, but has spread from the Border States to every other city, county, state throughout America, especially in states overwhelmed by the occupation of illegal immigrants.

    There are many Constitutional minded, a non-profit organization whose dedication is to lower immigration and enforcement of immigration laws, that unless them two parties start by securing the border and have remained inert to increasingly alarmed public of their deteriorating quality of life due to sprawl, congestion, overcrowded schools, lost open spaces and increasing restrictions on their individual liberty caused by the new population explosion! Stop this travesty that is being deliberately bypassed by the Senate and House. Close all the loopholes in the law, which is pandering to the illegal alien invaders.

    When did this country genuflect to the crazy environmentalists, stopping us from drilling for more oil? Our country can be self-reliant as we have huge deposits of oil, natural gas and coal, which will last generations. The land doesn’t belong to Congress, but all of the people who live here. We should not be paying $3.98 a gallon, when we could be importing oil from Canada. Stop the huge banks from speculating over on oil; at least reduce the percentage to 10 percent for speculators? The illegal alien occupation are racking up over a $100 Billion dollars a year, with no end in sight. How much more money will Obama soak us for, to pay not just for illegal aliens, but U.S. residents who are perpetual welfare recipients? Did you know that illegal foreign workers are estimated to wire over $40 Billion dollars annually outside this country to foreign banks? Do you think that “Obamcare passes” that illegal aliens will have to pay their own insurance? Health Care for illegal aliens is already a unfunded Mandate for the 50 states, for these people pouring through every bloody hole or flying into America from God knows where is going to pay—ZERO. NOTHING!

    Just like they do now for education, as they pay nothing for all their children who have swamped our school system. Foreigners have become cannibals of taxpayers’ money, forced on the public by the courts. Yes! They pay some taxes, but not enough to cover this country’s huge deficit, paid out to them? Foreign nationals have also been well versed in cheating the system. Most clerks are not equipped to identify forged documents whereas these people claim food stamps, Section 8 housing, welfare and even have been reimbursed for child and adult taxes they never paid. Many

    Obama is skirting the laws of the Congress, to implement another sordid avenue, to covertly allow illegal aliens to stay and in addition allow family members to join them. You can also learn more of the Obama government ignoring your Constitutional rights of citizens and they can easily be located by surfing the net with keywords as illegal aliens—costs—ID theft—Voter fraud. Enter several words in Google, Yahoo or any search engine, with spaces in between. These are website that the Democrats and Liberals don’t want you to view. It allows the reader to investigate a daily helping of articles of National and rural media, not compliant with the liberal agenda of “Political Correctness” established by the by Left to divide the country. Learn more about the E-Verify program to extract illegal aliens from the workplace and other policing applications as the “Secure Communities” for local police to detect and criminal aliens by fingerprints for another resource for ICE.

    Please copy and Paste where you can. Distribute freely.

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