**Report Excerpt**
The consequences of identity theft can be staggering. Victims spend extensive time closing bad accounts,
opening new ones, and fixing credit records. There can be
high out-of-pocket expenses related to clearing your name. You could be denied loans and jobs — and, though
unlikely, you could even be mistakenly arrested as a result of crimes committed in your name.
What Identity Thieves Do with Your Information
Identity thieves frequently open new accounts in your name. They often
apply for new credit cards using your information, make charges, and
leave the bills unpaid. It is also common for them to set up telephone
or utility service in your name and not pay for it. Some victims have
found that identity thieves applied for loans, apartments, and mortgages. Thieves have also been known to
print counterfeit checks in a
victim’s name.
Thieves also often access your existing accounts. They may take money
from your bank accounts, make charges on your credit cards, and use
your checks and credit to make down payments for cars, furniture, and
other expensive items. They may even file for government benefits
including unemployment insurance and tax refunds.
Unfortunately, thieves often use a stolen identity again and again. It is
very common for victims to learn that thieves have opened and
accessed numerous accounts, often over a long span of time.
**End Excerpt**
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