Because approval systems are automated and built for speed, not accuracy. They use old databases, weak identity checks, and algorithms tuned to “frictionless onboarding.” A thief with your data can slide right through the cracks the lenders created.

Michael F. Cardoza, Esq.
Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.