Question: "Is there any action I can take if my child’s grandmother opens up a credit card in my daughter’s name without permission? My mother-in-law has had a history of opening up credit cards in her own son’s names without their permission. She keeps asking for my daughter’s social security number for a universal life account or something that she wants to open for her but because of the past, I will not be giving it out. I am paranoid my partner might give in and I want to at least have some head knowledge on what I can do if a scenario like that takes place."
I am assuming that your daughter is a minor for my response. While you should always be careful with sharing your children’s social security number (or yours, for that matter), I agree it is especially true in your situation. Should your mother-in-law somehow obtain it and utilize it to fraudulently open credit using your daughter’s information, that is a crime. It is identity theft and you can go to the proper authorities. Apart from the criminal action, you can also dispute any accounts that are in your daughter’s name. You should monitor her (and any other children’s) credit, as there shouldn’t be any notations. If something appears you should dispute it with the credit agencies and place either a fraud alert or consider freezing the account(s).
More details on how to dispute are here as well as the difference of a fraud alert and a credit freeze.
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