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To: KyrosL who wrote (4941)	3/21/2006 9:58:31 PM
From: Elroy Jetson	Read Replies (2) \| Respond to of 217825

While a National ID may have many benefits, I don't understand how a National ID would prevent identity theft nor make any reduction in identity theft. When you apply for credit you are asked to write down your Driver's License number, or your National ID number under your proposed scheme. Where is the safeguard? I can write down your National ID number on the loan application just as easily as you can. When a thief makes a clone of your credit card, it works just like the one in your wallet. Retail clerks are of course instructed to make a cursory examination of your Driver's License / National ID card. Where's the safeguard? I have a Fraud Alert on my credit reports. When a lender wants to issue credit to someone using my National ID number / Driver's License number / Social Security number they need to call me at home to confirm it is actually me applying for the credit. If they choose not to do this, the loss is their's. Now there's a real safeguard that actually works. It doesn't require a National ID nor would a National ID make it work better. I know from personal experience. Identity Theft is nothing more than lenders legally shifting their risk of lending to unauthorized persons into innocent people with good credit. When the risk of loss is shifted back to the lender, identity theft ceases to be a problem. Lenders don't mind losing your money, but they do object to losing their money. .