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What's the fuss about identity theft?
The problem is that the reason you find out may be that you are at the car dealer, picked out a car, and getting ready to sign the loan papers with your supposedly good credit, and you are denied for late payment on loans you didn't know you have.  Or debt collectors  start hounding you.  Or you credit card interest rates go up.  Or you are charged more for your insurance because you are seen as a bad credit risk.  Or you can't rent an apartment.  The list is almost endless. It can takes many months and hours spent on the phone to fix these things.