Cyber Crime and Identity Theft is now the #1 Crime worldwide. Using your name and social security number, bad actors gain access to credit cards, vehicle purchases, bank account transfers, etc., and do this in your name without you knowing, yet you end up liable.
How do you prove it wasn't you? Your name, drivers license number, social security number and date of birth are listed on the application. For all intents and purposes, the lender believes it is you.
