It’s one thing to have your credit card stolen, but your identity is a whole other ball game. The worst thing is, it’s a lot more common than you’d think. Identity fraud affects around one in 15 people in the US and has never been higher in the UK. The fraudsters have built their own subculture as new tools and channels lower the bar for entry. It’s time to strap in, because the challenge will only grow in the next few years.