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Thomas, a homemaker in Prairieville, La., who spent months repairing her credit history in 2002 after a thief appropriated her identity to snare about $65,000 in loans. "It's the sleepless nights, and the time, and the stress you have to go through to clean up your record that really hurts victims."

ANALYSTS say several factors have combined to make identity theft a particularly intractable crime: the growth of the Internet and digital finance, decades of expanding consumer credit worldwide, the hodgepodge nature of local and federal law enforcement, and the changing but often still inadequate regulations governing the credit industry...

"It's the sleepless nights, and the time, and the stress you have to go through to clean up your record that really hurts victims."

ANALYSTS say several factors have combined to make identity theft a particularly intractable crime: the growth of the Internet and digital finance, decades of expanding consumer credit worldwide, the hodgepodge nature of local and federal law enforcement, and the changing but often still inadequate regulations governing the credit industry...

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