@ speechless, you have a very sad but real story. I have a cousin who stole her daughter's credit identity since her's was so bad. She choose not to fix her own credit but destroy her daughters. Her dgtr doesn't spk to my cousin til this day because she can't get cable, a car, school loan, credit card, or even utilities without being put through the ringer. It is real that parent's sometimes steal their kid's identity to gain money or their credit for self serving purposes. I am sorry to hear you are in this situation. Good Luck and don't give up.