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Using someone else's identity to get credit
Trying to obtain credit by using someone else's name and identity is obviously not right. But suppose -- and Kaplan says she has heard of such cases -- a parent whose credit has been ruined uses a child's name and identity to open new credit accounts. Is that a problem? Absolutely.
"It's illegal to pose as someone else," Kaplan says, "but there is also a moral question: Do you want to punish your child and wreck their credit, as well?"
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