stupei said:
That one article linked said they have enough info to take out a loan in someone's name. How little do they need to get a loan, or is that only in Australia?
If so, man, Australia sucks.
If name, address, phone number, and DOB were all that are necessary to get a loan in the US, then identity theft would be a lot more rampant than it already is.
Whenever I've had to get a loan, I've needed the above plus residential history, employment history, and of course SSN. That information is then cross-checked against your credit report.
In order to see a credit report if you want to use someone else's information above, you need the person's SSN and the ability to answer security questions related to information found on the report.
They can't change the information on the report either. The actual person in the report doesn't even have the power to change information on their own credit report. That information is controlled by the credit companies, and they will only ever
remove information upon request (and even then they may not do it if they have reason to believe it's valid).
In short, you need the SSN.