Please Log In to view this link! This is an interesting article about credit reports. It claims that 1 in 3 Americans have never checked their credit reports. This is something that I do every year around tax season. Something else my wife talked to me about, you should check your kids credit reports as well. Sometimes people can get your child's social security number and use it illegally. Since most people wont even apply for a credit card until their 18, someone could be using your child's social security for years without getting noticed.