SESK: Stuff Everyone Should Know · sesk.info/teen-scam-teen-credit
If a 15-year-old already has a credit report, it could be a sign of what?
Identity theft.
- Good grades
- Identity theft ✔
- A free scholarship
Why: A child under 18 generally has no credit report. If one exists, someone may have used their information.
Huh, didn't know that: The FTC suggests scheduling time to regularly monitor your teen's credit.
Where does Dracula keep his money? In a blood bank.
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References
Answer: Identity theft. A child under 18 generally has no credit report. If one exists, someone may have used their information.
- FTC: Talk to your teens about credit and identity theft consumer.ftc.gov/consumer-alerts/2026/08/how-talk-your-teens-about-credit-and-identity-theft
If they do, it could be a sign of identity theft.
Checked 2026-10-10.
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