Yesterday in the mail my son received two pre-approved (arrgh!) Visa apps from Associates. I think we've done this before, but I checked the back and it had the 'we checked your credit file' statement. Now since he's only 12 and should have no credit file, this is beginning to bother me. Is there any way I can request a credit report from the CRAs or are they just going to say 'oh no, that can't be...he's too young, go away'? I'm starting to wonder if someone (his father, maybe) has used his SSN or his name for something. Advice?