I feel like it’s only really a threat if you have things to lose, but if someone already has no money or assets or bad credit, what is there to lose?
In: Other
Even with bad credit your identity is incredibly important, having access to your SSN and the publicly available information about you a criminal can produce false documents, false employment, take loans out; bad credit stops you from getting good loans not loans at all, they can open utility accounts and buy cars
And not all of this is legit, they could have a dealer they work with or a loan company they run
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