> Flat out wrong. They nearly always are. They frequently have their credit impacted as a result of non-payments for credit, mortgages, etc... > ...let's not f

> Flat out wrong. They nearly always are. They frequently have their credit impacted as a result of non-payments for credit, mortgages, etc... > ...let's not forget that it typically takes an enormous amount of time and effort to fully undo the damage Yes, In-fact the only real damage to the so called "victim" is credit rating... ironic since the Equifax leak, really it just outlines that credit reports are not trustworthy due to: A) High error rate. B) Integrating shortcomings of corporations. C) A multiplier of above through data breaches. None of which are the "victims" fault. Credit-reports are now rightfully meaningless and "Identity Theft" was never easier to argue as a misnomer to a subcategory of fraud... the business being defrauded, as the true victim, held accountable for losses from incompetence.