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Identity theft and fraudulent use of personal financial records is rising problem around the world. In 2004, the U.S. Federal trade commission conducted a study that indicated over 9 million individuals are victims of identity theft every 1 year. A 2003 study conducted in the british suggested that 20% associated with consumers was being subject to identity fraud. Clearly, in the English-speaking world, identity theft is an ever-greater threat to your individual and financial well-being.