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Identity theft happens every day. Be it from Internet scams or someone going through your trash, gathering information on people and their habits has become a major industry. Identity theft is defined as the procurement of someone's personal information such as bank account number, Social Security number, credit card number or other identifying information, with the intent to commit fraud or other crimes.
The trauma of the knowledge that strangers have your personal information and are using it for their benefit and your detriment is only the beginning. Cancelled credit and perhaps loss of money are painful, but rebuilding your name and reputation can take years. Meanwhile, your credit rating has probably dropped to the point that you are now paying higher interest rates than you should, if you can get the loan at all.
If you would like to know how to protect yourself against identity theft, the links below will help you.