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Identity theft is on the rise. Someone can steal your identity by taking your name, Social Security number, credit card number, or some other piece of your personal information without you ever knowing it. Thieves then apply for credit cards in your name, at a different address. You won't know what's happened until the bills start to roll in.
A thief could call your credit card issuer and, pretending to be you, change the mailing address on your credit card account. Then, your impostor runs up charges on your account. Because your bills are being sent to the new address, you may not realize there's a problem. But when the thief doesn't pay the bills, the delinquent account goes on your credit report.
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