Does your toddler already have a credit issue? With so many credit bureaus using nothing but social security numbers as the way to verify a person’s identity, they could. Now many young people are finding out the hard way that they have a credit problem, because often someone in their own family used their identity to open credit card and other accounts. This form of identity theft is often not malicious. Sometimes, it’s being done in a pinch by desperate parents who are trying to make an emergency repair or get the lights turned back on. Estranged family members and hackers have also been known to use this means to gain access to credit in another person’s name.