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    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.

    And yet it comes with no training and few go-to guides. When I went back to work after having my baby, I spent a lot of time preparing myself for the inevitable guilt that every working mom feels when she leaves her baby in the morning.

    Sometimes, the victims even receive a call from a collection agency for an unpaid debt incurred using the child’s identification.

    So, simply adding authorized users to your credit card accounts will not have a negative effect on your credit report or credit scores.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.The first thing a parent should do when concerned about a child’s personal information being compromised — or as a precautionary practice prior to a teen getting her driver’s license or first job — is to obtain and review the child’s credit reports from the three national consumer reporting agencies: Equifax, Experian and Trans Union.Be ready to provide each credit reporting agency with your child’s complete name, address, date of birth and a copy of the child’s birth certificate and Social Security card.

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