Identity fraud, in particular, where identities are stolen or fictitious identities are created, is becoming an increasing problem due to emerging (and rapidly evolving) technologies which enable such crimes to be committed. Thieves from all around the world are very clever at hacking into sites or 'phishing' for information. But an even easier way for someone to commit id fraud is to go through trash looking for credit card offers or even mortgage offers. If you own a house, you know what I'm talking about - every week somebody is going to give you a better interest rate if you refinance with them.