As a victim of ID theft, I received a new credit card in the mail from a major bank that I did not apply for. I'm not sure how smart this thief was, as it was sent to my home address. I called the bank, they were very helpful and immediately canceled the card and sent me a packet about ID theft. I checked the 3 credit bureau(and now I think there is a 4th credit bureau that many folks do not know about) and none of the 3 even had any record of this account being opened, despite the fact I had this new card in my possession and could have used it. For the record, the 4th bureau is called Innovis. They do not handle credit scores.