If you discover unfamiliar accounts, credit cards, or loan applications in your name, act immediately.
Contact the three major credit bureaus (Equifax, Experian, TransUnion) to place a fraud alert, file a report with the FTC at IdentityTheft.gov, and notify your bank.
The sooner you catch identity theft, the less damage it does.
Even young people should check their credit report annually.
Ask your child: "Who should know your Social Security number? Why do some places ask for it?"
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