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What impacts of identity theft that can result in this situation? The following examples are illustrative, not exhaustive.

Lost work time and earnings — according to the FTC, the average victim of identity theft spends hours in restoring his or her identity. Inability to get a clean audit and accurate credit report to support other financial needs, such as liquidity for a small business owned by the borrower; other lenders may deem themselves insecure and cause a cross-default situation.

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