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the worst that I've had happen was when my wife and I were moving out of our first apartment. the landlord was showing the place while we were gone and somebody must have stolen some of my old starter checks (I should have destroyed them).
because they were carbon copies of checks that I'd written, it had my driver's license number written on them. they were able to use this to write checks for cash at a walmart an hour away from me.
I was also able to get my money back, but like you said it's a real pain in the ass.
crime pays.
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