Interpretation of the news based on evidence, including data, as well as anticipating how events might unfold based on past events I've seen adult children in tears because they found out – after pulling their credit reports – that a parent had used their information to get credit cards or had put utility and cellphone bills in their name. A parent, with bad credit, wanted to know if it was wise to get a home loan in her 17-year-old's name.

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