If the credit record has your SSN, a criminal can pretend to be you and borrow money in your name. Then the bank will come after you for repayment and the credi

If the credit record has your SSN, a criminal can pretend to be you and borrow money in your name. Then the bank will come after you for repayment and the credit reporting company will 1) report that you have outstanding debt 2) report on any “missed payments” on this debt 3) lower your credit score because of 1 and 4) share this false info with other credit reporting agencies.