I know this is an unorthodox request but I envision it can turn into a cool post in the comments, then a great article.
I'm doing a report on international issues of "new account fraud" as it pertains to identity theft. In the US we use a Social Security number as the primary identifier that is used on all applications to obtain new credit. With this number the bad guy (or
a bank or any creditor) has direct access to credit reports and can open new credit cards and get loans posing as the victim.
How does it work in your country? How is new credit granted and what is the primary identifier (if any). If you have any insight to country's like Germany, France, Italy and Spain, Australia, New Zealand or any others it would be helpful too.
We have some great feedback below. What I'd like to see is more "meat" as to how the id thieves actually compromise the system and what if any protections are in place.