Ever get a funny looking email with a link to click a "friend" sent you?
How about a call from "Visa" or "American Express" offering to reduce your interest rate?
I've got news for you. The credit card company is not calliing and the "friend" is not a friend.
I.D. theft, hackers, phishing are worse than ever. Be careful with your personal information and never give out your details unless you have contated the company and are sure who you are dealing with.
Most home and renters policies have some coverage for I.D. theft included.
Check your policy and be sure.