Even if you don't have a line of credit, identity theft is a very common occurrence. If you know you don't owe anything, it's still pretty scary to receive a le

Even if you don't have a line of credit, identity theft is a very common occurrence. If you know you don't owe anything, it's still pretty scary to receive a letter saying your debt has been passed onto a debt collection agency. Last year somebody opened a number of phone contracts and ordered TV (to my house...?) in my name. Here in the UK apparently you just need a name, address and date of birth to walk out of a shop with a brand new iPhone 7. I eventually got it sorted, but it took a couple of months to get every cleared up. I made the mistake of using the phone, although the people I spoke to were helpful, I had to repeat everything from the beginning many times. If it happens again, I'll follow this advice and write letters.