Fraudsters use personally identifiable information and personal health information to: Obtain credit fraudulently from banks and retailers. Steal money from a victim's existing accounts. Secure loans, employment and housing. Establish accounts with utility companies. Receive medical care. Achieve financial gain in other ways using the victim's name. Dumpster-diving for documents containing personal information. Stealing mail to get preapproved loan offers, credit cards, bills and more. Impersonating a loan officer, employer or landlord to obtain access to credit files. Gaining insider access to names, addresses, birthdates and Social Security numbers in company personnel or customer files. Shoulder-surfing when people are using laptops, payment or identification cards in public places. Skimming of credit and debit card information at point-of-sale machines. Tapping online sources of personal data, such as public records and personal networking sites. Hacking into an individual's or organization's network and devices to steal sensitive information. Purchasing fraudulent or stolen identities on the internet or through a secondary market.