Maybe you never opened that account, but someone else did ... someone who used your name and personal information to commit fraud.  When an imposter co-opts your name, your Social Security number (SSN), your credit card number, or some other piece of your personal information for their use - in short, when someone appropriates your personal information without your knowledge - it's a crime!  Pure and simple!

The biggest problem?  You may not know your identity's been stolen until you notice that something's amiss:  you may get bills for a credit card account you never opened, your credit report may include debts you never knew you had, a billing cycle may pass without your receiving a statement, or you may see charges on your bills that you didn't sign for, didn't authorize, and don't know anything about.

If someone has stolen your identity, the Federal Trade Commission (FTC) recommends that you take three actions immediately.

• Contact the fraud departments of each of the three major credit bureaus.

• Contact the creditors for any accounts that have been tampered with or opened fraudulently.

• File a report with your local police or the police in the community where the identity theft took place.

For complete detailed information, visit  ID Theft