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07-Nov-2019 04:25 by 8 Comments

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If they abuse the privilege of being an authorized user, you could find yourself with large debts that you are unable to pay.

This sent me on a new path, the result of which is My Learning Baby.It got me thinking about the environment I was creating for him – especially when I wasn’t around.Although we have an amazing nanny who, I have no doubt, would be able to look after his physical needs, where did I stand on his developmental requirements?There seems to be no shortage of valuable information about “adult” identity theft, including a vast amount of crime statistics and prevention advice, yet such information about ID thieves targeting children — though at times equally damaging to the victim and often taking much longer to resolve — has received much less of the spotlight.What makes child ID theft uniquely problematic is its tendency to be underreported to law enforcement and difficult to investigate when detected, due to: 1) the frequency with which family members and friends are the ones committing the crime, and 2) detection often not occurring until years later. The UK as a whole has ratcheted up an eye-watering £1.5 trillion in personal debt – and that is owed by just under half of Britain’s adults, according to research by insolvency trade body R3.

Unfortunately a common mistake among consumers is to just pay the minimum amount on their credit card, which ultimately exacerbates the debt.As a result it takes many years to clear, as your mother is finding.In regards to your situation, the good news is that you do have options and if you can take either an interest free credit card, or a low interest personal loan and use that to clear your mother’s credit card that is a good choice.This won't help if your mother is a homeowner, as they don't qualify.Whilst this may not be a problem it could also stop her accessing other credit agreements – such as mobile phone contracts.Being a mother is the most important job you’ll ever do. Thankfully, My Learning Baby makes it easier than ever to record these milestones with My Journey, a photographic memory book to cherish your baby’s special moments.

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