Identity theft often goes unnoticed until the victim applies for credit and is unexpectedly rejected.
The 5 Warning Signs
1. Unexplained drops in your credit score.
2. Hard searches on your credit report from lenders you do not recognise.
3. Mail arriving at your home for credit cards or loans you did not apply for.
4. Debt collection agencies contacting you regarding unknown debts.
5. Small, unexplained 'test' transactions on your bank statements.