Pick up any newspaper! Weekly, you will find an article about identify theft. This wreaks havoc upon a person’s credit report. The time and misery to correct the "identity theft" in the first place is becoming a very real and prevalent problem in our society.

When you check a credit report and the client says, "that’s not my account", there are several possibilities—one of which may be identity theft. It’s a huge problem—so large in fact, you can purchase "Identity Theft" insurance separately or add an "endorsement" to your current homeowner’s insurance policy.