That was over ten years ago but negative items still pop up on my credit report that I was four months late making my mortgage payment. I didn't realize until I went to finance my car loan how that item could cause my interest rate to rise.

Then I thought back to the notice from the IRS that my identity had been stolen. Before that I wondered who was in charge of things, when the ink on the receipts I stored for my year-end taxes had worn off by the time I needed to file my returns. It also seemed strange that instead of me and my neighbor both filing taxes in Atlanta, (like we always had in the past) one return went to Atlanta, while the other return went to Austin. I was told that the returns can go to any office now. That sounded pretty wild for a business operation. Again, I wondered who is in charge of things or who is behind the curtains operating the levers.

I headed to the IRS office early in the morning thinking 富途牛牛新聞 that I would beat the crowd. The office doesn't open until 8:30 but when I got there at 7:30 the line was already around the corner. As I talked to people in line, everyone was there for the same reason, identity theft. One woman told me she got there the day before at 1:00 p.m. but the line was so long, they told her to come back that next morning. "What is going on?" I wondered. Finally, when I spoke with the representative he gave me a slip of paper and told me to file my return, and if I owed to pay, by mail to some address in the Midwest.