[bdcravens]

> I don't know why you're talking about "getting your money back," this kind of fraud doesn't involve any loss of money from anyone other than a bank.

Not correct. If someone opens a credit card (or anything else at that bank) in your name, and rings up a large balance, you can be sued and levied. It doesn't have to be the same bank; they can and will find your legit accounts in an effort to recover funds. I'm speaking from experience; the actual lawsuit was filed by a law firm that specializes in that type of collection. The protection you get from illegitimate accounts isn't automatic; you'll still have a degree of burden, depending on where you catch things.

[throwaway76543]

As I said above "No one is talking about totally ignoring fraud and allowing a default judgement to occur"

You are discussing something entirely different, unrelated to the point I made above.