Hey Zach thanks for your interest. It's a long story so here are the highlights. At one time I had an excellent credit rating. Some creep obtained my social security number and one of my credit card numbers and got a state issued ID with my name and his picture. He was able to create lines of credit with stores and banks (didn't actually charge anything to the credit card until much later - too petty I guess). Once the first credit collector located the real me, the stuff hit the fan. The first year was the worst as hardly a day went when I wasn't getting threatening letters from attorneys or collection agencies, or sending out notorized, sworn affidavits or just on the phone with somebody about it. Of course my credit rating suffered and I had to be flagged as a credit fraud victim with the agencies - that makes it hard for anyone to get credit with my name - including me (that stays on a profile for 7 years). It slowed down a little the second year and more time was spent trying to get the ones giving the bad report to the agencies to make another report to clear it - but half of them wouldn't bother. Skip to year 7 - some bad charges against me still showed up - another 7 year flag put up with the credit acencies. Must be around year 20 now and I refuse to to look at my credit reports anymore - need credit - wife applies. So how much did it cost me? Not much in money really.
There was another unrelated crime against me by what I call a "watcher" but that's another chapter.
You know certain things are out of your control - I suspect a low level employee got my information from a data base at a hotel reservation service. But the moral is be careful when you can.
Pat










