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They don't even know they have credit." An Unreported Crime The concern over child identity theft comes as Americans have a greater need for clean sources of credit.

Last April, 25 percent of Americans had credit scores of less than 600 -- the least-creditworthy category -- compared to 15 percent before the recession began, according to data compiled by Deutsche Bank.

The study was based on data provided by Debix, which sells identity theft services and offers free scans for parents who want to find out if a credit file exists on their child.

In 1987, the federal government launched a program to encourage parents to apply for their newborn's Social Security numbers at birth so identity thieves didn't apply for them first.

But the program had an unintended consequence: By issuing Social Security numbers in a predictable sequence based partly on the year a person was born, identity thieves could infer a child's 9-digit identifier based on public information, according to Alessandro Acquisti, associate professor at Carnegie Mellon University.

Ramirez said her mother stole her identity to take out a mortgage when she was a child, but failed to make timely payments and nearly fell into foreclosure.

When Ramirez became an adult, she discovered her credit was trashed.

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