the victim of identity theft..

it can be years before you  realize it..

they'd years to run up 돈 in debt..빚 등을 쌓다..
how did you rup up so many debts??

they created more than 42 accounts, defaulting on all of them..체납하다...
Many mortgage borrowers are defaulting on their payments..

they took loans out on boats, and houses...

to clear her credit..

it may take her months, if not years to start fresh..-까지는 아니더라도...

with no clue it's happening..

crooks took out two student loans..사기꾼..conman..손, 발가락을 구부리다..
he crooked his finger at her and said..come here..

the problemeis alrge and growing..

it's usually undetected and undetectable...

periodically..주기적으로..
periodic checks are made to ensure quality..