How does identity fraud work?

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How does identity fraud work?

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“Hi, I’m totally [this person] and not an identity thief! I have [stolen or copied paperwork] to prove it! So if I commit any crime or spend any money/credit it’s definitely little old me and not this random identity thief that’s definitely not me!”

All you REALLY need to apply for credit cards, online loans etc is your social security number (social insurance number) in canada. If I had your number I could put it down on credit card applications, and wheb I inevitably didn’t pay the bills itnwould be traced back to you through that number.