In a commentary for UPI, Morgan Strong wrote
There is another thing far more certain than mere superstition that awaits the newborn. There is a Social Security number and a credit rating. Beginning with our squalling breech of the womb, we are marked by this obscenity. This marking, indelible yet unseen, our credit score, will continue throughout our lives and in effect compel us to make the choice of the path we are to follow.
That is inaccurate. Consumer reporting agency files are not recorded and retained on the newborn. If there is no information on a consumer, then there is no credit score. According to the state of New York Department of State, Division of Consumer Protection, “The credit agencies do not knowingly keep credit files on minors.”