credit report. If your child has one, someone has applied for credit using his or her identity.
Your child’s name shows up on your caller ID display. It’s not because your child is calling, it’s because an account has been opened in your child’s name.
You cannot open a financial account for your child. You may be having difficulty opening an account because one already exists under your child’s name.
Your child, who is now 18 or older, is quoted unusually high interest rates. High rates may be an indication of past history, indicating a negative mark on their credit report.
Your young adult has been repeatedly denied credit, housing, or a loan. This is another sign that your child already has a tarnished credit history.