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THE FRAUD MATRIX

Synthetic Identity & Credit Jacking

One of the fastest-growing frauds in America. Criminals combine real Social Security numbers with fabricated names, dates of birth, and documents to open credit, loans, and accounts — often recruiting people with clean credit to help.

  1. Recruit

    Someone offers cash for a clean credit profile or a loan in your name.

  2. Combine

    Your real SSN is paired with fabricated names, DOBs, and documents.

  3. Spend

    Cards, loans, and accounts are opened and run up under the new identity.

  4. Ablate

    Accounts go unpaid; the synthetic identity is abandoned as debts mount.

  5. Attributed

    Banks and investigators tie the debt back to the linked real identity.

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Synthetic Identity & Credit Jacking

Have you ever been asked by a friend, family member, romantic interest, or 'business partner' to apply for a car loan, credit card, mortgage, or business line of credit using information that wasn't fully your own?