Identity theft and fraud – How can it effect me? Identity theft occurs when criminals access enough personal information about your identity (such as your name, date of birth, current or previous addresses) to commit identity fraud. Identity theft can take place whether the fraud victim is alive or deceased. If you’re a victim of identity theft, it can lead to fraud that can have a direct impact on your personal finances and could also make it difficult for you to obtain loans, credit cards or a mortgage until the matter is resolved. Our upcoming posts will explain what Identity theft and fraud is and how to prevent you falling victim.