One of the most common scams in the era of technology is the identity theft. Many people became victims of this fraud and Carlos was no exception. When he finally found the apartment he had been dreaming of for a very long time, with the perfect view and in the perfect neighborhood, he applied for a mortgage. Unfortunately, his application was rejected when a loan officer found a credit card with multiple late payments and a high balance that crippled his debt-to-income ratio.
Carlos realized that he’d never applied for that card and that he was the victim of identity theft that couldn’t even be traced back to an unknown phone call. Specialists recommend checking credit reports constantly to avoid similar cases of identity theft, fraudulent cards and even credit bureau errors.
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