This was the No. 1 complaint reported to the FTC in 2014 and it hasn’t slowed down. The Association of Certified Fraud Examiners, Inc. says, “it is especially concerning because victims not only suffer monetary damages, but their personal reputation and credit may also be impacted. Crooks are hacking into various databases to steal personal information and assume a victim’s identity. Forged government documents top the list of the most common identification frauds, followed by credit card, phone/utilities and bank fraud.” You can ask that a fraud alert be added to your credit report if you think you are a victim. You’ll then need to file an ID theft report with the FTC @ 877.438.4338 or ftc.gov/complaint.