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      Maybe you never opened that account, but someone else    1  -someone used your name, your

credit card number or   2   (person) information to commit fraud(造假)without letting you know,   3    

is actually a crime.

      The biggest problem is    4   (probable) that you may not know that someone has taken away your

identity   5   you notice that something is wrong.You may get bills for   6   credit card account you never

opened.Your credit report may include debts you never knew you had,   7   you may see charges on

your bills that you didn't sign for.

      If your identity    8   (steal) like that, the Federal Trade Commission (FTC)suggests that you should

take at least two actions immediately.First, contact the fraud departments of the major credit offices and

ask them   9    copies of your credit reports.Then, review your reports carefully    10  (check)your

information.