http://www.concurringopinions.com/archives/2006/01/identity_theft.html The Law, the Universe, and Everything Sat, 21 Nov 2009 21:19:19 -0700 http://wordpress.org/?v=2.8.3 hourly 1 http://www.concurringopinions.com/archives/2006/01/identity_theft.html/comment-page-1#comment-60570 Bruce Tue, 31 Jan 2006 20:06:11 +0000 http://www.solove.org/archives/2006/01/identity-theft-increasingly-an-affliction-of-the-young.html#comment-60570 I'm puzzled on the mechanics of this scam -- isn't a date of birth typically associated with your SSN on credit reports? I doubt a credit card company would even issue a card to a 12-year-old, at least not without a parent co-signer. Perhaps what is happening is that the card issuer checks credit reports, finds no entry for the SSN in question, and then accepts everything the fraudster claims re: DOB, address, etc. What information do credit reporting agencies typically have about you if you have a SSN, but have never obtained credit from anyone? I’m puzzled on the mechanics of this scam — isn’t a date of birth typically associated with your SSN on credit reports? I doubt a credit card company would even issue a card to a 12-year-old, at least not without a parent co-signer. Perhaps what is happening is that the card issuer checks credit reports, finds no entry for the SSN in question, and then accepts everything the fraudster claims re: DOB, address, etc. What information do credit reporting agencies typically have about you if you have a SSN, but have never obtained credit from anyone?

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