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Re:Three Years in Identity Theft Hell by user5994461 on Saturday September 16, 2017 @06:54PM (#15267201)
To confirm your identify: national ID card, passport or driver license.

To confirm your income: Your yearly income tax sheet, a payslip or your contract of employment.

There is really no reason whatsoever for credit check and background check agencies to exist. All they do is ask for these papers anyway.

Re:Three Years in Identity Theft Hell by harryh on Saturday September 16, 2017 @08:26PM (#15267544)
It's worth noting that the perpetrator in the bloomberg article had a fake driver's license in the name of the victim. So ID cards aren't a complete solution either.
Re:Three Years in Identity Theft Hell by djsumdog on Saturday September 16, 2017 @10:15PM (#15267898)
But you get that ID card using an SSN card. Other countries have a photo attached to your nation ID card and citizen identification number (and sometimes fingerprints too).

But think about America right now. Do you honestly think we could get national ID numbers? Could you imagine people being asked for a DNA swab or fingerprint to establish their identity? The blow black would be monstrous, and I don't think it'd be entirely unjustified. With 1% of our population incarcerated or on probation, with no national health care and being the largest state sponsor of terrorism in the world, there is good reason for Americans not to trust their government. Add in all the fundie religious people crying "sign of the beast" and Alex Jones followers yelling "national RFID chips" and you're stuck with a situation that cannot change.

Re:Three Years in Identity Theft Hell by chimeracoder on Sunday September 17, 2017 @10:17AM (#15269692)
> But you get that ID card using an SSN card.

Not necessarily. Not all states require an SSN in order to issue an ID.

> But think about America right now. Do you honestly think we could get national ID numbers?

Unfortunately (for all the reasons you mentioned and more), we're pretty close, as the REAL ID system is about to take effect.

That's going to be a huge problem for people living in the states that don't issue REAL IDs. It's also going to be a problem for legal immigrants and transgender people in every state.

Re:Three Years in Identity Theft Hell by uiri on Sunday September 17, 2017 @12:36PM (#15270393)
Not all states require an SSN in order to issue an ID.

I was under the impression that every single state requires an SSN to issue a driver's license or id card in order to track and enforce child support order across state lines.

Which states don't require an SSN to issue an ID?

Legal immigrants have passports, and ID cards/driver's licenses from their home country. I'm not sure what will require two forms of REAL ID compliant identification.

Re:Three Years in Identity Theft Hell by chimeracoder on Sunday September 17, 2017 @01:02PM (#15270528)
> I was under the impression that every single state requires an SSN to issue a driver's license or id card in order to track and enforce child support order across state lines.

Nope. If they did, the impetus behind the REAL ID act wouldn't even be relevant, because illegal immigrants wouldn't be able to obtain a drivers' license or state ID.

> Which states don't require an SSN to issue an ID?

California is the biggest one, and in fact, California makes it illegal to discriminate against anyone who has a driver's license but cannot show legal residency.

Some states mark licenses as "not valid for identification" if they don't show legal residency, but it's usually subtle and easily overlooked or ignored. And the SSN isn't the only way to show legal residency, either.

> Legal immigrants have passports, and ID cards/driver's licenses from their home country.

For foreigners, passports are the only acceptable form of identification from foreign governments. Driver's licenses and other government IDs are not allowed, with the exception of driver's licenses from Canada.

Re:Three Years in Identity Theft Hell by ensignavenger on Monday September 18, 2017 @12:56PM (#15277509)
Missouri didn't want to implement RealID not because they didn't want to require an SSN, but rather because they did not want to store copies of the identification documents in a central database. We ended up with a two tier system where individuals may opt for a RealID license or a regular license. For RealID licenses, the documents will be stored in an air gapped system, with criminal penalties for anyone who uses the system for anything other than RealID. (whether or not that gets enforced is another issue...).

Missourians have good reason to distrust the DMV, as they have been caught red handed illegally useing their databases in the recent past.

Re:Three Years in Identity Theft Hell by ensignavenger on Monday September 18, 2017 @12:38PM (#15277339)
I am pretty sure every US state attaches photos to drivers licenses, too. Also, most of not all states require a birth certificate not just a ss card.
Re:Three Years in Identity Theft Hell by u801e on Saturday September 16, 2017 @09:32PM (#15267760)
Couldn't they verify the authenticity of the drivers license by contacting the department of motor vehicles?

One shouldn't verify documents unless you're a member of the organization that issued them.

Re:Three Years in Identity Theft Hell by djsumdog on Saturday September 16, 2017 @10:17PM (#15267899)
It was most likely a real license. Credit checks use the DL number. You need an SSN card to get a license or ID card and the SSN card is gained using security questions and has no photo, fingerprints or biometrics associated with it.

I remember needing to get a new SSN card once and it was creepy how easy it was.

Re:Three Years in Identity Theft Hell by mgkimsal on Saturday September 16, 2017 @11:17PM (#15268077)
Comparing photo on dl with photo from DMV might help.
Re:Three Years in Identity Theft Hell by mcguire on Saturday September 16, 2017 @08:35PM (#15267579)
Not to mention the other documents from the GP.
Re:Three Years in Identity Theft Hell by alkonaut on Sunday September 17, 2017 @02:20AM (#15268461)
We have national id + complete index of people, but still have credit check agencies.

The difference is probably that here those agencies aren't somehow trying to guarantee my identity. They just answer what credit rating my identity has.

Re:Three Years in Identity Theft Hell by aianus on Saturday September 16, 2017 @10:24PM (#15267930)
Credit has little to do with income. I have over $70k in various credit lines and have never shown any proof of income whatsoever. I just name a number and they accept it (after checking my all-important credit score).
Re:Three Years in Identity Theft Hell by user5994461 on Sunday September 17, 2017 @06:10AM (#15268975)
Again, that's an American thing. They will distribute credits to whoever ask for them, as much as they can just to make money out of people.

In non insane countries, you are considered debt-free when you have no credit, not when you accumulate credits and pay them with one another.

Re:Three Years in Identity Theft Hell by chimeracoder on Sunday September 17, 2017 @10:21AM (#15269710)
> In non insane countries, you are considered debt-free when you have no credit, not when you accumulate credits and pay them with one another.

I'm not sure how you think the American system works if you think that "debt-free" has any meaning other than "no balances or debts outstanding".

Re:Three Years in Identity Theft Hell by aianus on Sunday September 17, 2017 @09:43AM (#15269544)
Giving people credit without seeing how much they already owe and how they're repaying it is insane. Rich people can go over their heads and default just as well as poor people. There is an obvious and valid need for credit reporting agencies to exist.