....for the 1st two, "I don't have any" for the 3rd ID theft, because it happened to me once, Thank G_d I was on-line with my bank when I spotted $1,500 being spent, they took two clothing stores, wal-mart and a casino for over $6,000. (I was not charged) they used my checking account number and re-created their own checks with my account number. Now this is the funny part, no one asked for their ID when they cashed these bogus checks and get this they signed the checks John C. Hancock.