What would happen if I use my 2 yr old sons SSN in a Credit application?

Question

Im not stealing it hes my son ...I have terrible credit I want to start over....How would I get caught?

Answer 1

First of all you are a horrible father. It is stealing. That is his social, not yours. It was assigned to his name. Why would you want to ruin his credit? Yours is ruined. Why make it hard for him when he turns 18. He is going to have marks on his credit that he will not even know about. It does not appear you are concerned about the damage this will cause or his future. A person's credit displays trust. How is it going to look when he becomes an adult and he finds out he already has things on there since he was 2. Logically it would appear he did not do it but credit wise he is going to be screwed. You seem like that kind of person who will open a child savings account and use it for yourself because you are on chexsystems and you can not get your own checking account. You give good fathers a bad name. If you want to start over, start paying your debts. But your biggest question is 'How will you get caught?' I cant believe you even asked that. But any way...you might not. But it will have a strain on your relationship with your son. Do you want that? Don't you want him to have a future, or to go to college, or to realize his potential and dreams. Having good credit is so important. It is more important than cash. One day he is going to want a car, a house, his own credit card. Do not give him a rough start. You are his parent, his first teacher. Teach him the proper way to handle credit. Children mimic their parents behaviors. The way he sees you handling your bills, credit and finances is pretty much how he will handle his. Please rethink your option to steal his identity. YES...it is identity theft. Imagine if someone did this to you. Took your social and got a bunch of stuff in your name and you did not know about it. Tell me now is this stealing? YES it is. So why is it not stealing in your case? Think please think.

Answer 2

I work for a credit card company in the fraud department and I have seen this done before. Alot of times it is caught because the govenment keeps track of what year ssn#'s were issued but sometimes it will still be processed because some people dont get their ssn at birth because they are not us citicizens right a way or for a handful of other reasons. Yes you may get away with it you may not it just depends how closley you they look at it. The problem will come when your son turns 18 and wants credit of his own then when the pull a credit report and show credit going back 16 years he will have major problems, I mean days on the phone filling out paper work trying to get people to extend him credit. I really would not recommend doing this but if you do use your name your sons ssn, your dob, and your sons mmn. That is the best chance you have to get it to go thru.
If you are looking at what will happen if you get caught not that much unless your son would be to press charges one day or if you did not pay the bill.

Answer 3

so, let's see you have ruined your own credit and now you want to start on your son's credit? if you are too lazy to clean up your own credit act what makes you think you will not screw your son over as well?

in addition your son's name won't get you much, thank god, because there is no credit history to go on and that might raise the first red flag.

go take some parenting classes so that you might learn what is is to be a good mother. part of that includes protecting your child and not destroying his life before it has even begun.

Answer 4

Well, you are stealing! You're stealing your son's identity to get yourself a free and clear shot at new credit (which is fraud by the way, no matter how you slice it!)
If you were that reckless with your own credit to even consider such a thing, what makes you think it won't happen again?
Be a man and fix it yourself!

Answer 5

In this day and age bad credit can happen and I would not advise screwing with your sons. My sister jammed two of her children up this same way. My credit is less than perfect so I understand the problems you are having but isn't right to take the risk.

Answer 6

this in not a good idea! yeah every thing goes fine for a little while then slowly but surely things start to get behind a little at a time and then something big happens and the next thing you know your two year old is now six with a car repo and a house in foreclosure and charged of credit cards. if any one is going to ruin his credit let it be him. I have a female friend who is now 25 that still suffers because something like this happened to her.

Answer 7

That is blatant fraud. You'll get caught too. And that is a federal felony.

The only way i've ever heard of that working is a good friend using a card in his dad's or grandpa's name (which they all have the same exact name) who has perfect credit. And he is pretty financially responsible himself already.


EDIT:
Also, if you managed to screw up your son's credit really bad, couldn't he someday sue you for identity theft?

Answer 8

Well, you would be committing fraud. In some cases it is a felony, punishable by prison.
Second, you will probably ruin your son's credit too. What a sick thing to do to your kid.
Work on fixing your own credit. There are credit counselors out there that can work wonders. Look into it.
Oh, and stop trying to buy what you cannot afford.

Answer 9

"I'm not stealing it," your reason being that "he's my son."
"But don't worry because he's only 2 and doesn't need a good credit history....

...Yet."

I have no idea how you would go about such a procedure but I'd imagine you'd get caught by child services or some federal agency.

Answer 10

1) It's fraud.
2) They'd know your SSN was only issued 2 years ago.
3) You're screwing your son over bigtime...
4) YES you're stealing it.