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   Identity theft is a crime that can have enormous implications on an individual's financial situation. The criminal obtains vital information about their victim, for example the driver's license, social security number, bank accounts, etc., and uses the information to steal the identity of the victim. Using this information, the criminal then uses the stolen identity to access credit, services, money and merchandise in their victim's name. The impact to the victim can be severe, including total financial ruin. This financial ruin almost always includes an utterly destroyed credit history and credit rating. The criminal can also use the stolen identity in participating in illegal activities, leaving the victim not only in a state of financial ruin, but under criminal investigation as well.

   Many individuals do not even know they've fallen victim to identity theft until they apply for credit or loans. Only then do they realize that their credit history has been severely jeopardized.