Teens and young adults are increasingly targeted by identity thieves because their credit histories are clean and rarely checked.

Why Young People Are Vulnerable

• Fraud may go unnoticed for years.
• Personal information is widely shared online.
• Many are just starting to manage their own finances.

Common Scams Targeting Young People

• Fake job or internship offers requesting personal information.
• Online shopping scams through social media ads.
• Peer-to-peer payment scams.
• Phony scholarship or student loan messages.

How Parents and Guardians Can Help

• Start conversations about scams and online safety early.
• Encourage strong passwords and privacy settings.
• Check credit reports regularly, even before your teen starts using credit.
• Teach teens to question requests for personal or financial information. 

Maine Family FCU is your partner in teaching financial safety. We're here to help families understand credit reports, fraud prevention, and safe money habits so young adults can start their financial journey with confidence.