You’ve always paid your credit card bills before they were due. Your rates on the few cards that you have are low as you’ve always been responsible for your actions etc.

Recently you’ve noticed that a few strange things have been going on and you’re wondering if you’ve been an identity theft victim. You’ve been receiving some phone calls from debt collectors, a credit card has arrived in the mail that you didn’t request or maybe you’ve even been turned down for a revolving charge card because you didn’t make payments on something else.