Now no need in trying to change the focus of what i was trying to make a point about...............i agree its a huge ordeal if it happens...........but one can take simple measures to advoid it. What i get tired of hearing is people saying becareful it could happen to you. No one ever says hey thats a growing issue lets discuss ways to prevent it!
Knowledge is the first step in prevention, and its all a part of being truly EQUIPPED!
-you did mention "go for years unnoticed" -your bank can do simple credit checks and social/name linking with open accounts at the click of a computer......and its usually free if you just ask!