<prompt> Human: We have a nanny. Shes financially pretty hard up, not due to our pay being low, but other debts and such. I have never perceived anything to make me distrust her, although her luck is pretty bad at times.I got a call out-of-the-blue from a person who was asking to speak with her. Out of respect for privacy, I didnt ask who it was, and I just said its a wrong number. I got in touch with the nanny and she said, oh Im applying for a loan and they called the number I left for work how rude!First it was sad to think shes taking out a loan. But I am also worried as to why or how a loan person would have mixed up the numbers on their forms. A creeping feeling would be that she has access to enough identifying information around our house to commit fraud. How would I even begin to check this? Would prefer not to kill my credit score in the process.  <response>: Not a sign of identity theft to me; if they called asking to speak to you about a loan that you hadnt applied for I would be concerned. They probably couldnt get a hold of her for a week or so then called the work number. That is what I do in that instance. If youre still concerned put a freeze on your credit, but from a loan officer stand point it doesnt seem to be identity theft. 