How can you find out if your wife is using your child's social security number to obtain credit?

Why not get a credit report using your child's social? You can get one free online now or contact one of the credit agencies (like TransUnion or Experian). You'll be able to see any accounts (bank or credit) on the social and any checks on credit. I tried that already and because she is a minor there is no way to get her credit report. So I was told by a rep at Equifax. That makes no sense. If you can't get a credit report on her, than you'd think that there'd be no way to get a credit card using her social. Your wife must be either using a different birth date (which you would think the credit card companies would catch) or some other "loophole." Did you try contacting the Social Security Administration? Maybe "stretch the truth" a little and tell them that you have reason to believe that someone has stolen your daughter's social security number to obtain credit (maybe say she got a credit card in the mail) and ask them what to do. However, if you go this route and it turns out to be your wife, I'm assuming that there will be legal consequences for her! It is highly unlikely that an adult would be successful in using a minor's SSN to obtain credit. Creditors require more than a SSN before they issue a card or grant other financial transactions. The SSA will not give out information concerning a minor's SSN unless the person requesting gives proof of being the custodial parent, legal guardian, guardian ad litem or a court order is issued. The SSA does have a process available for the reporting of fraudulent use of a SSN if the person wishing to file the report can show "just cause."