Maybe you never opened that account, but someone else did－someone who used your name and personal information to commit fraud(造假)．When an imposter(冒名顶替者)uses your name, your credit card number, or some other piece of your personal information for their own purpose－in short, when someone takes your personal information without your knowledge－it’s crime, pure and simple．
The biggest problem is that you may not know your identity has been stolen until you notice that something’s wrong：you may get bills for a credit card account you never opened, your credit report may include debts you never knew you had, a billing cycle may pass without your receiving a statement, or you may see charges on your bills that you didn’t sign for, and even don’t know anything about．
If someone has stolen your identity, the Federal Trade Commission(FTC)suggests that you take three actions immediately．
First, contact the fraud departments of each of the three major credit offices．Tell them to mark your file(档案)with a fraud warning including a statement that creditors(债权人)should get your permission before opening any new accounts in your name．
Then, ask the credit offices for copies of your credit reports．Credit offices must give you a free copy of your report if it is not correct because of fraud．Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized(侵权的)changes made to your present accounts．In a few months, order new copies of your reports to check your corrections and changes, and to make sure no new fraudulent activity has occurred．
(1)
What’s the subject discussed in the text？
[ ]
A．
What you should do if your credit card is stolen．
B．
What you should do if your identity is stolen．
C．
What an imposter always does to make money．
D．
What the Federal Trade Commission is about．
(2)
What should you do first when you find your identity is stolen？
[ ]
A．
Inform creditors not to open any new accounts in your name without your permission．
B．
Ask for copies of your credit reports and make sure no other frauds have been made．
C．
Keep ordering new copies to check what you have already changed and corrected．
D．
Always lock your ID card in your cupboard in case it should be stolen．
(3)
What is the most difficult thing for people to deal with identity frauds？
[ ]
A．
No measures can work on the billing cycle．
B．
There is no strict law for this kind of behaviors．
C．
It might be a long time before you realize that．
D．
The FTC does nothing except for three suggestions．
(4)
Which is the least possible if a fraud has happened to you？
[ ]
A．
You may have debts in your credit card．
B．
You may find charges on your bills unauthorized．
C．
A new credit card may be opened in your name．
D．
The fraud departments can find out the imposter right away．
Sixth-grade schoolteacher Ms．Shelton believed in readiness．Students remembered how she walked in on the first day of class and began writing words of eighth-grade on the 1 ．They quickly protested that the words were not on their 2 and they couldn't learn them．
Their teacher insisted that the students could and would learn these 3 ．She said that she would teach them something that should be given．Ms．Shelton 4 by saying that one of the students in the classroom could go on to 5 , maybe even be president someday, and she wanted to prepare them for that day．
Ms．Shelton said those words many years ago． 6 did she know that someday one of her students－Jesse Jackson－would take them 7 ．She believed that if they were well prepared, they could 8 high goals．
Ralph Waldo Emerson once said,“People only see what they are 9 to see．”If that's true, then it is also 10 that they only become what they are prepared to become．And many things in life is just about getting ready．
“I want to be doing something more 11 with my life than what I am doing now,”a young man once said to me．He 12 what he was doing was just not that important．Other people have said things to me such as,“I only 13 I had a meaningful relationship．”And,“I'd really like to get a better job, but I just don't see 14 ．”
You fill in the blanks．What is it you would like to 15 that isn't happening?Perhaps the answer is that you are not yet 16 ．Maybe you need more time to prepare before you are truly ready for that which you 17 ．
Think of today as another chance to 18 yourself for the exciting future you are looking for．Today is not wasted．If you desire more from 19 , then you can use today as training．For you will experience only what you are prepared to 20 ．Something wonderful can happen．And you can use today to get ready for tomorrow．
