![](https://bac-lac.wayback.archive-it.org/web/20061219073201im_/http://www.gov.on.ca/MGS/graphics/stel02_047068.gif)
- Bills and statements don't arrive when they are supposed to — they may have been stolen from the mailbox or someone has changed the mailing address.
- You receive calls from collection agencies or creditors for an account you don't have or that is up to date. Someone may have opened a new account in your name, or added charges to an account without your knowledge or permission.
- Financial account statements show withdrawals or transfers you didn't make.
- A creditor calls to say you've been approved or denied credit that you haven't applied for. Or, you get credit card statements for accounts you don't have.
- You apply for credit and are turned down, for reasons that do not match your understanding of your financial position.