Concerned parent Christopher ordered a ChildScan (child Social Security number scan) for his teenage daughter Caitlin. He never expected the resulting identity theft to be a complex web of issues that would take over a year to resolve. Â Â The scan uncovered 42 open accounts, totaling over $700,000.
Licensed Investigator Juan was assigned to the case and found that thieves had been using Caitlinâ€™s Social Security number since she was only 3 years old, and the 40+ open accounts included three mortgages, auto loans, credit cards, and various accounts in collections. Â Juan immediately began working with creditors to close the accounts and report them as fraud, to begin restoring her identity.
The resolution: Juan was able to close almost all accounts in Caitlinâ€™s name, and today thereâ€™s just one left waiting to be processed as fraud and closed. Juan continues to work towards completely clearing Caitlinâ€™s credit history â€“ just in time for her college applications.
Advice to parents: Even with the expertise of a licensed investigator, Juan wants parents to know that â€œcomplex cases like this that build up over year and years of identity fraud can take a long time to resolveâ€.Â He advises all parents to check to see if their childâ€™s Social Security number is tainted by identity theft when the child is as young as possible, and to continue regular checks as they grow up in case new issues arise. Â Luckily, this case was caught in enough time to not leave a permanent mark on Caitlinâ€™s future and on her identity.
Watch Caitlinâ€™s story on a TODAY show investigative report: http://today.msnbc.msn.com/id/42997608/ns/today-parenting_and_family/t/stop-id-thieves-stealing-your-kids-credit/