The unauthorized use of personal financial and identification information is identity theft. As more people shop online, this problem has increased in recent years. Federal and state authorities investigate and prosecute instances of identity theft. In addition, issuers of bank cards and credit cards offer programs to help people limit the damages that occur as a result of this form of criminal activity. Despite all of the protections offered by businesses and the prosecution activities of governments, people can lose substantial resources, suffer damage to credit scores and lose hundreds of hours of time clearing their name and restoring their financial integrity.

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